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INDIANA 


LIABILITY MANUAL 


Edition of January, 1912 


d » 

o > j 
p J 
O ) J 


Compiled and Published by 
Workmen’s Compensation Service and 
Information Bureau, 

No. 1 Liberty Street, New York 


Price §1.00 


TRANS'" r 





AOS 9 1944 

Sens! 


INDEX TO RECOMMENDATIONS, ELEVATOR, GENERAL 
LIABILITY, AND TEAMS RATES 




PAGE 

Additional Interests 15-16 

Alteration Permit 26 

Automobile Insurance 21 

Bakers, Confectioners, 
etc.. Schedule — Rec- 
ommendations 29 

Chemical, Paint and 
Drug Schedule — Rec- 
ommendations — 30 

Clerical Office Em- 
ployees 17 

Coach, Carriage and 
Wagon Schedule — 

Recommendations 33 

Coal Miners’ Schedule 
— Recommendations ... 35 

Contractors’ Schedule 


— Recommendations ...36-37 

Contractors’ Contin- 
gent or Protective In- 
surance 24 

Coverage 7 °- 

Deductible Average 11-12 

Deductible Average En- 
dorsements 12-13 

Draughtsmen 17-18 

Drivers 20 

Electric Schedule — Rec- 
ommendations 67 

Elevator Schedule — 
Rates 78-79 

Elevator Schedule — 
Recommendations 70—77 

Estimated Wages 5 

Executive Officers 17 

General Recommenda- 
tions 4 

General Liability 
Schedule — Recom- 
mendations 80-90 

General Liability 
i Schedule — Rates 91—103 


PAGE 

Leather and Shoe 
Schedule — Recom- 
mendations 104 

Long Term Policies 14 

Lumber Schedule — Rec- 
ommendations 106 

Meat Packing House 
and Stock Yard 
Schedule — Recom- 
mendations 109 

Medical Aid 8-10 

Metal Schedule — Rec- 
ommendations 111-112 

Milling Schedule — Rec- 
ommendations 126 

Mining (except Coal) 
Schedule — Recom- 
mendations 127 

Miscellaneous Schedule 
— Recommendations 
129-131 

Oils, Etc. Schedule — 
Recommendations 145 

Ore Reduction and 
Concentration Sched- 
ule — Recommenda- 
tions 147 

Owners’ Contingent or 
Protective Insurance.. .22-23 
Owners’ and Contract- 
ors’ Contingent or 
Protective Insurance . 22-25 
Paper Schedule — Rec- 


ommendations 149 

Pay Roll (General Lia- 
bility) 80-81 

Policy Limits 14 

Pottery and Glass 
Schedule — Recom- 
mendations 154 

Publishers’ Preface 1-3 

Printing Schedule — 
Recommendations 158 

Removal Permits 86 


PAGE 


PAGE 


Rubber and Composi- 
tion Goods Schedule 
— - Recommendations 159 

Stevedore Schedule — 

Recommendations 161-162 

Stone Schedule — Rec- 
ommendations 163 

Table of Limits 6-7 

Teams Property Dam- 
age Insurance — Rec- 
ommendations 169 

Teams’ Schedule — Rec- 
ommendations 167-168 

Teams’ S c h e d u 1 e — 
Rates 170-174 


Textile Schedule — Rec- 
ommendations 175 

Theatre Insurance 88-90 

Tobacco Schedule — 

Recommendations 180 

Traveling Salesmen 19 

Vessel Schedule — Rec- 
ommendations 181 

Warehouse and Store 
Schedule — Recom- 
mendations 183-184 

Wood Schedule — Rec- 
ommendations 192 

Workmen’s Collective 
Insurance 27-28 


INDEX TO CLASSIFICATIONS 


A PAGE 

Abdominal Truss Mfrs. 131 
Absorbent Cotton Mfrs. 30 
Acetylene Gas Machine 

Mfrs 112 

Acid Mfrs. (not other- 
wise classified) 30 

Adamant Plaster Mfrs. 164 
Adding Machine Mfrs.... 112 
Additions to, alteration 
and repair of as- 
sured’s existing bldgs. 37 
Advertising Novelties 

and Signs Mfrs 131 

Advertising Sign Mfrs. 

— erection « and re- 
pairing only 37 

Aerated Water Mfrs 30 

Aerated and Soda 
Water Apparatus 

Mfrs 112 

Aeroplane Mfrs 112 

Agate and Enamel 

Ware Mfrs 112 

Agricultural Implement 

Mfrs 131 

Agricultural Implement 

Stores 184 

Alcohol and Acetic Acid 

Mfrs 30 

Alum Mfrs. — 30 

Aluminum Smelting 147 

Aluminum Ware Mfrs.... 112 

Aluminum Works 112 

Ammonia Mfrs 30 

Anchor Mfrs 112 

Aniline and Alizarine 

Mfrs 30 

Analytical Chemists 131 

Annunciator Mfrs 112 

Apartment Hotel and 

Hotel Apartment 184 

Apartment Houses 184 


PAGE 


Architects, supervising... 38 

Arms — (heavy ord- 
nance) erecting 38 

Arms (heavy ordnance) 

Mfrs — 112 

Arms (small arms) 

Mfrs 112 

Arsenic Mfrs 31 

Artesian Well Drillers... 38 

Artificial Feather and 

Flower Mfrs 175 

Artificial Limb Mfrs 131 

Artists, Designers, 
Proofreaders, Edi- 
tors, etc 158 

Asbestos Goods Mfrs 131 

Asphalt Layers 38 

Asphalt Works 131 

Asylums 184 

Athletic Clubs 184 

Auction Rooms 184 

Autogenous Welding 38 

Autogenous Welding — 

(shop only) - 112 

Automatic Slot or 
Vending Machines, 


Automatic Sprinkler 

Mfrs 113 

Automatic Sprinkler 

Mfrs. — (away from 

shop) 38 

Automobile Mfrs 33 

Automobile Radiator 

Mfg 113 

Automobile Salesrooms 131 

Awning and Tent Mfrs. 
131, 175 

Axe Mfrs 113 

Axle (metal) Mfrs 113 

Axle (wood) Mfrs 33 

Axle Grease Mfrs 145 


V 


B PAGE 

Baby Carriage Mfrs 33 

Babbitt Metal Mfrs 113 

Badge (metal) Mfrs 113 

Badge (silk or worsted) 

Mfrs 175 

Bag (burlap sacking) 

Mfrs 176 

Bag Mfrs. (sewing 
only) 176 

Bag Mfrs. (paper only) 149 
Bag Mfrs. — traveling, 
portmanteau and 
valise - 104 

Bakers (bread, biscuit 

and cracker) 29 

Baking Powder Mfrs 29 

Barbers 184 

Barbers’ Supplies (in- 
cluding furniture 
Mfg. ) 192 

Barbers’ Supplies (no 

Mfg.) 184 

Barge and Canal Boat- 
men — crews only 181 

Bargemen and Lighter- 
men 181 

Bark Mills 106 

Bark Peeling 106 

Barrel Mfrs 192 

Barrel Mfrs. (wood 

veneer) 192 

Barytes Mfrs .164 

Baseball Mfrs 104 

Baseball Bat Mfrs 192 

Basket Mfrs. (willow- 

ware) 192 

Basket Mfrs. (wood 

veneer) 193 

Baths 184 

Battery (storage) Mfrs. 

(mf’d from lead 

plates) 113 

Battery (storage) Mfrs. 

(not mf’d from lead 

plates) 113 

Bedstead (metal) Mfrs. 113 
Bedstead (not metal) 

Mfrs 193 

Bedsteads (metal) as- 
sembling 113 

Bee Hive Mfrs 193 


PAGE 


Beet Sugar Mfrs...i; 131 

Bell Foundry 113 

Bellows Mfrs 193- 

Bells, installation of. 38 

Bent Wood Mfrs 193 

Benzine Mfrs 31 

Bicycle and Bicycle 

Parts Mfrs .. 113 

Bill Posters 38 

Billiard and Bowling 

Halls 184 

Billiard Table Mfrs 193 

Black Lead Mfrs 132 

Blacking (shoe) Mfrs.... 131 

Blacksmiths 113 

Blast Furnaces 147 

Blast Furnaces — erect- 
ing and repairing 38 

Blasting 38 

Bleacheries 176 

Bleaching Powder Mfrs. 31 

Block (pulley) Mfrs 193 

Boat Builders 38-39 

Bobbin and Spool 

(wood) Mfrs 193 

Boilermakers .. 113 

Boilers (steam) — in- 
stallation of 39 

Boilers, taking from 
one place to another... 39 

Bolt and Nut Mfrs 113 

Bond Paper Mfrs 149 

Bone Workers 132 

Bone and Ivory Turn- 
ers 132 

Bonnet Frame Mfrs 176 

Bookbinders .. 158 

Boot and Shoe Mfrs 104 

Borax Mfrs 31 

Bottle Mfrs. 154 

Bottlers (bottling under 
pressure) 132 

Bottles (second hand), 
dealers in 184 

Bottling Works (no bot- 
tling under pressure) 132 

Box Mfrs. — cigar 106 


vi 


f*AGE 


Box Mfrs. — No machin- 
ery 106 

Box Mfrs. — paper 149 

Box Mfrs. — Steam 106 

Box Mfrs. (wire bound) 106 

Braid Mfrs 176 

Brass Foundry 113 

Brass Goods Mfrs 114 

Breweries 132 

Brick Mfrs 154 

Bridge Building- 39-40 

Bridge Works 114 

Bristol Board Mfrs 150 

Brittania Ware Mfrs 114 

Broom Mfrs 193 

Brush Mfrs 193 

Buffing- Wheels Mfrs 132 

Building and Roofing 

Paper Mfrs 149 

Building — office or mer- 
cantile, janitors’ work, 

etc 40 

Building Material Deal- 
ers — no second hand 

materials 132 

Building Material Deal- 
ers — second hand ma- 
terials 132 

Building Movers 40 

Building raising, shor- 
ing, etc 40 

Buildings— P or table — 
erection of 40 

Bunting Mfrs 176 

Burlap and Sack Mfrs.... 176 

Butchers — stores - 185 

Butchers’ Supplies Mfrs. 132 

Butchers’ Supplies (no 
Mfg. ) 185 

Butter and Butterine 

Mfrs 145 

Button (celluloid) Mfrs. 159 

Button (metal) Mfrs 114 

Button Mfrs. (not met- 
al- or celluloid) 132 

C 

Cab Companies — stable 
hazard only 133 

Cabinet Work 40 

vii 


tACE 


Cabinet Work 193 

Cable (electric) placing 

in subways 40 

Cable (wire) Mfrs... 114 

Cables — insulation of, 
for electrical purposes 133 

Caisson Work 40-41 

Calenderers 176 

Calico Printers 176 

Camphor Mfrs 31 

Can Mfrs 114 

Canal Excavating 41 

Canal Lock Construc- 
tion 41 

Candle Mfrs 145 

Candy Mfrs 29 

Cane (walking) Mfrs.... 193 

Canneries (no can 

Mfg.) 133 

Canoe (wood) Builders 

— shop only 193 

Canvas Belting Mfrs 176 

Caps, Mfrs. of, cloth 

only 176 

Capsule (gelatine) 

Mfrs 31 

Car (railroad) Mfrs. — 

(no steel cars) 33 

Car wheels Mfrs 114 

Carbide of Calcium 

Mfrs 147 

Carbon Mfrs. (not elec- 
tro-chemical process) 133 

Carbon Black Mfrs 133 

Carbon Paper Mfrs 150 

Carbonic Acid Gas 

Mfrs 31 

Carborundum Mfrs 147 

Carbureter Manufactur- 
ing exclusively 114 

Card Clothing Mfrs 114 

Card Board Mfrs 150 

Carding and Fulling 
Mills 176 

Carpenters (shop only) 193 

Carpenters — away from 
shop 41 

Carpet Mfrs 176 


PAGE 

Carpet Cleaning or 

Beating Works 133 

Carpet Lining and 

Pads Mfrs 150 

Carriage, Coach and 
Wagon Mfrs. (as- 
sembling only) 33 

Carriage, Coach and 
Wagon Mfrs. (not R. 

R. Cars) 33 

Carriage Dashes and 
Carriage Tops Mfrs. 

(not wooden) 114 

Carriage Repositories 
and Salesrooms 185 

Carriage Wood Mfrs 193 

Carrier Systems, inside 
of mercantile build- 
ings 41 

Cartridge Mfrs 133 

Cash Register Mfrs 114 

Cast Iron (pipe) Mfrs.... 114 

Castor Oil Mfrs 145 

Cathedral and Art 
Glass Window Mfrs. .. 155 

Cattle Dealers 109 

Cellar Excavation 41 

Celluloid Mfrs 159 

Celluloid Goods Mfrs 133 

Cellulose Mfrs 133 

Cement Mfrs 164 

Cement Mfg. and Quar- 
rying 164 

Cement, Slate or Lime 

Quarries 164 

Cemetery Companies 133 

Chain Mfrs 114 

Chair Mfrs 193 

Chair Seats Mfrs 133 

Chandelier Mfrs 114 ! 

Charcoal Dealers 133 

Charcoal Mfrs 147 

Check Mfrs 150 

Chemical Mfrs. (not 
otherwise classified)... 31 

Cheese Mfrs 145 

Chewing Gum Mfrs 29 

Chimney Construction...41-42 
China Decorators 155" 


PAGE 


China Mfrs 155 

Chocolate Mfrs 29 

Cider Mfrs 133 

Cigar and Cigarette 

Mfrs 180 

Cigarette paper Mfrs.... 150 

Circular Loom Mfrs 133 

Clay Digging 42 

Clay or Shale Mines 127 

Cleaners and Dyers 133 

Cleaning and Renovat- 
ing Stone Fronts of 
Buildings - 42 

Clerical Office Employ- 
ees in manufacturing 

plants 185 

Clerical Office Employ- 
ees under General Li- 
ability Policies 185 

Cloak Mfrs 176 

Clock Mfrs .114 

Cloth Spongers 176 

Clothing Mfrs 176 

Clothing Store 185 

Club Houses 185 

Coal Billet and Bri- 
quette Mfrs 133 

Coal Merchants 133-134 

Coal Mines 35 

Cocoa Mfrs 29 

Cocoa Fibre Mfrs 134 

Cocoanut Shredding 

and Drying 134 

Cod Liver Oil Mfrs 145 

Coffee Manipulators or 
Cleaners (not grind- 
ers or roasters) 134 

Coffee Roasters and 

Grinders 134 

Coffin and Casket (met- 
al) Mfrs 114 

Coffin and Casket 

(wood) Mfrs 193 

Coke Burners 147 

Cold Cream Mfrs 145 

Cold Storage Ware- 
houses 185 

Collar and Cuff Mfrs 176 

Color (dry) Mfrs 31 

viii 


PAGE 


Comb ( hard rubber — 

no celluloid) Mfrs 159 

Composition Goods, con- 
taining- celluloid 159 

Compressed Food Mfrs. 134 
Concrete Hollow Blocks 155 

Concrete Work 42-45 

Condensed Milk Mfrs 145 

Conduits — already con- 
structed (placing elec- 
trical cable therein)... 45 
Conduits — for electric 

wires, construction 45 

Confectioners'- Mfrs 29 

Contractors — Building 
private residences, 
flats, etc., not over 
3 stories high 45-46 

Contractors — General 46 

Conveyors and Hoisting 
Apparatus — coal and 

ore, installation of 46 

Conveyors — coal and 
ash, installation of 46 

Cooperage Stock Mfrs. 

— heads, hoops, staves, 
etc 106 

Coopers 193 

Copper Mines 127 

Copper Refiners - 147 

Copper Smelters 148 

Copper and Zinc Goods 

Mfrs 114 

Coppersmiths 114 

Coppersmiths (away 

from shop) 46 

Coppersmiths (instal- 
ling and erecting 

within buildings) 47 

Cord and Twine Mfrs 134 

-Cordage Mfrs 134 

Cork Cutting Works 193 

Cork Paper Mfrs 150 

Corn Mills 126 

Cornices and Skylights, 
repairing and erect- 
ing 47 

Corraline Mfrs 159 

Corrugated Iron Build- 
ings — erecting 47 

Corrugated Paper Mfrs. 150 


PAGE 


Corset Mfrs 176 

Cottolene Mfrs 145 

Cotton Batting Mfrs 176 

Cotton Gin Mfrs 114 

Cotton Compressing and 

Ginning 134 

Cotton Packing for 

Steam Engines Mfrs. 134 

Cotton Spinners 176 

Cotton Weavers. 176 

Cotton and Woolen 
Clippings new g’oods 
onljr (dealers in) 185 

Cottonseed Oil Mfrs.. 145 

Cottonseed Oil Refiners 145 

Counter, Heel and Sole 

Cutters 104 

Counter Lunch Room 185 

Country Clubs 185 

Cracker Mfrs 29 

Cranes (traveling) and 
derricks — installation 
of 47 

Crayon Mfrs 134 

Creameries 146 

Creamery and Dairy 
Supplies Mfrs 134 

Crematories — operat- 
ing - 134 

Creosote Mfrs 31 

Crib Work, not includ- 
ing handling of stone 47 

Crutch Mfrs 193 

Culm (slack or coal ref- 
use) Washing 134 

Curled Hair Mfrs 134 

Curriers 104 

Cut Sole Mfrs 104 

Cutlery Mfrs.... 114 

Cutting Dies Mfrs 114 

D 

Dairies 146 

Dams 47 

Dealers in Coal, Wire 
Fencing, Agricultural 
Implements, Hay, 
Grain and Feed and 
Lumber Yards 


186 


PAGE 

Decorative Wire Mfrs.... 114 
Decorators, interior and 
exterior — hanging 

flags and bunting 47 

Decorators — within 

buildings only 47 

Degreasing Skins 104, 134 

Dental Material Mfrs 31 

Dentist 185 

Department Stores 185-186 

Dextrine Mfrs 134 

Diamond Cutters and 

Setters 134 

Diamond Drilling 47 

Disinfectant Mfrs. 31 

Distilling .... 134 

Ditches (open) digging 47 

Doll (bisque or china) 

Mfrs 155 

Door, Window Frame or 
Sash, erecting and re- 
pair 47 

Draughtsmen 135 

Dredging by floating 

dredges 47 

Dressmakers 176 

Dress-pattern Mfrs. — 
paper only 150 

Driving of Wells for 

salt mining : 47 

Drop Forging Works...... 114 

Drug Mfrs. (grinding 
medicines) 31 

Dry Battery Mfrs 135 

Dry Docks, construc- 
tion of 48 

Dry (floating) Docks, 
construction of 48 

Dry Docks, operating 4S 

Dry Goods Stores (no 
Mfg.) 186 

Duck Cloth Mfrs 176 

Dumbwaiters, installa- 
tion of 48 

Dyers and Cleaners 135 

Dyers of Textiles — new 
goods 176-177 


E PAGE 

Earthenware (house- 
hold utensils and art 

objects) Mfrs. 155 

Earthenware (tiling, 

gas retorts, sewer 
pipe and drain pipe) 

Mfrs. (including un- 
derground mining) ... 155 

Earthenware (tiling, 

gas retorts, sewer 
pipe and drain pipe) 

Mfrs. (no under- 
ground mining) 155 

Egg Drying 135 

Elastic Web Mfrs 177 

Electric Apparatus 

Mfrs 114 

Electric Crane Mfrs 114 

Electric Insulators, La- 
va Tips, etc., Mfrs 135 

Electric Light and Pow- 
er Companies 67 

Electric Light and Pow- 
er Companies, con- 
struction 48-49 

Electric' Welding (shop 

only) 115 

Electrical Apparatus, 
erection and repair 

work only 48 

Electrical Equipment, 
installation within 

buildings , 48 

Electrotypers 158 

Elevated Railroad 135 

Elevators (passenger or 

freight) erecting 49 

Elevators (passenger or 
freight) Repairing 
only 49 

Elevator Mfrs 115 

Elevator Gates, instal- 
lation of 49 

Embossed Leather Mfrs. 104 

Embroidery Mfrs 177 

Emery Cloih Mfrs 135 

Emery Wheel Mfrs 135 

Emery Works 164 

Enamel and Agate 
Ware Mfrs 115 


X 


Enamel Cloth Mfrs 

Enamel Leather Mfrs.... 

Enamellers 

Engines (steam) instal- 
lation of 

Engravers 

Envelope Mfrs 

Essential Oils, distilla- 
tion of 

Excavating for bases of 
dams, etc 

Excelsior Mfrs 

Express Companies 

Extract ( dyewood ) 
Mfrs 

Eyeglass and Spectacle 
Mfrs 


F 

Farm Laborers 

Farm Machinery — erect- 
ing and repairing, 

etc 

Fat Rendering 

Feather and Flower 

(artificial) Mfrs 

Feather Pillow Mfrs 

Feed Water Heaters 

Mfrs i 

Feldspar Mines 

Felting Mfrs 

Fences — wood, stone, 

metal or concrete, not 
over 6 feet high (con- 
struction) 

Fenders and Fire Iron 

Mfrs. — 

Ferry Companies 

Fertilizer Mfrs 

Fibre Goods Mfrs 

Fibre Mfrs. — for Mats 

and Matting 

Fibroid Mfrs , 

File Mfrs 

Finishers of Textiles — 

new goods 

Fire Alarms, construc- 
tion of — 


PAGE 

Fire Clay Products 


Mfrs. (no under- 
ground mining) 155 

Fire Engine Mfrs 115 

Fire Escapes, erecting 
and repairing 49 

Fire Inspection of mer- 
cantile and manufac- 
turing plants and 

similar risks 49 

Fireproof construction, 
wire netting and con- 
creting 49 

Fireproof Door and 

Shutter Mfrs ....135-136 

Fireproof Doors and 

Shutters — erecting 49-50 

Fireproof Equipment 

Mfrs 115 

Fireproof Tiles, con- 
struction and repair... 50 

Fireworks Mfrs 136 

Fish Curers, Packers 

and Dealers 136 

Fishing Rod Mfrs 193 

Fishing Tackle Mfrs 136 

Fishing Vessels 181 

Flavoring Extract 

Mfrs 31 

Flax Mills 177 

Flint and Spar Grinders 164 

Floor Surfacing, by ma- 
chinery 50 

Florists, cultivating and 

gardening 136 

Flour Mills 126 

Fly Paper Mfrs 150 

Forging Work 115 

Foundry 115 

Fountain Pen Mfrs 136 

Fringe and Braid Mfrs. 177 

Fruit Evaporators 136 

Fruit (dried) Packers... 136 

Fulling Mills 177 

Fumigation of Build- 
ings 50 

Fur Goods Mfrs 177 

Fur Mfrs. (preparing 

skins) 136 

Furnace Mfrs. — house 
heaters 115 


PAGE 

135 

104 

135 

49 

158 

150 

31 

49 

107 

135 

31 

135 

135 

49 

146 

177 

177 

115 

127 

177 

49 

115 

181 

135 

150 

135 

159 

115 

177 

49 


XI 


PAGE 

Furnaces (heaters for 
stoves) putting to- 
gether and setting up 50 
Furnishing Goods Mfrs. 177 

Furniture Dealers 186 

Furniture Mfg. and 

Finishing 194 

Furniture, Chair and 
Cabinet Works, as- 
sembling only 194 

Fuse Mfrs - 136 

G 

Galvanized Iron Work- 
ers 115 

Galvanized Iron and 
Sheet iron Workers, 
erecting and repair- 
ing 50 

Galvanizing or tinning 
Sheet Metal, exclu- 
sively 115 

Garbage Collectors 136 

Garbage Works 136 

Garment Mfrs 177 

Gas Benches and Re- 
torts, installation of... 50 

Gas Engine Ignition 

Apparatus Mfrs 116 

Gas Fixtures Mfrs 116 

Gas Holders Mfrs 116 

Gas Machines — acety- 
lene 116 

Gas Machines — acety- 
lene — installation 50 

Gas Meter Mfrs 116 

Gas and Steam Fitters 115 
Gas or Gasoline Engine 

Mfrs 115 

Gas, Steam and Hot 
Water Apparatus Fit- 
ters and installation 
of ventilating plants 

(shop and outside) 50 

Gas Works, laying of 
mains and connec- 
tions 50-51 

Gas Works, operating 
of gas house, etc....l36-137 

Gasoline Mfrs 146 

Gelatine Mfrs 137 

General Contractors 51 


PAGE 

Gilding and Electro- 
plating 137 

Glass (cut) Mfrs 155 

Glass (plate or win- 
dow) Mfrs 155 

Glass Mfrs. (no plate 
or window glass 

Mfg.) 155 

Glass Eye Mfrs 156 

Glass Merchants 186 

Glass Sign Mfrs 156 

Glaziers (away from 

shop) 51 

Glove Dressers 104 

Glove Mfrs. (leather)... 104 

Glove and Mitten (silk, 
woolen or thread) 

Mfrs 177 

Glucose Mfrs 137 

Glue Mfrs 137 

Glycerine Mfrs...... 146 

Gold Leaf Mfrs 116 

Gold Mines 127 

Gold Platers 137 

Gold Reduction „ 148 

Gold Refiners 148 

Gold Smelters 148 

Golf Clubs Mfrs _.. 194 

Grain Elevators — Float- 
ing (operation only) 162 
Grain Elevators — line 

or terminal 186 

Graphite Mfrs 137 

Graphite Mines 127 

Graphite and Pure 

Carbon Mfrs „ 148 

Gravity Chutes, erec- 
tion of 5 1 

Grease Mfrs 146 

Great Lakes Sailing 
Vessels 181-182 

Great Lakes Steam- 
ers 181-182 

Great Lakes and River 
Tugboats, towing 181-182 

Grindstone Mfrs 164 

Grist Mills 126 

Gum Vending Machines 
Mfrs 116 


xii 


PAGE 


PAGE 


Gun, Rifle and Pistol 


Mfrs 116 

Gutta Percha Mfrs 159 

Gypsum Mines 127 


House (portable) Mfrs. 

(shop only) 194 

Hydrogen and Oxygen 

Mfrs 31 


H 

Hair Cloth Mfrs . 177 

Hair Goods Mfrs 137 

Hair (human) Goods 

Mfrs 137 

Hand Printers 158 

Handkerchief Mfrs. — 

no weaving 177 

Hardware Mfrs 116 

Hardware Stores (no 

Mfg. ) 186 

Harness' and Saddle 
Mfrs 104 

Hat (not straw) Mfrs. 
including moulding 
and Mfg. of 'felt 177 

Hat (straw) Mfrs 177 

Hat Block Mfrs : 194 

Hay, Straw and Feed 

Dealers 186 

Hay, Straw, Feed, 
Grain, Cotton -Weigh- 
ers, Inspectors, etc 186 

Hide and Leather Deal- 
ers 186 


Hod Hoists, installation, 

operation, etc 51-52 

Hominy Mills 126 

Hone and Oil Stone 

Mfrs 164 

Horse Blanket Mfrs .. 177 

Horse Dealers 137 

Horseshoe Mfrs 116 

Hose (cotton) Mfrs 177 

Hosiery Mfrs 177—178 

Hospitals 186-187 


Hotels (excluding 

laundry) 

Hot House erection — 

away from shop 

Hot House Mfrs. (shop 
only) - 


187 

52 

r94 


House Furnishings — in- 
stallation of 


52 


I 


Ice (artificial) Mfrs 137 

Ice Companies— har- 
vesting' and storing 137 

Ice Cream Mfrs 29 

Ice Cream Freezer Mfrs. 194 
Ice Dealers (no har- 
vesting) 137 

Ignition Apparatus for 

Gas Engines Mfrs 116 

Imitation Leather Mfrs. 151 
Importers and Dealers 
in Goat and sheep- 
skins 187 


Incandescent Lamp 
Mfrs 137 

Incubator Mfrs 194 

Indurated Fibre Mfrs.... 151 

Ink (printing) Mfrs 137 

Ink (writing) Mfrs 138 

Instrument (profession- 
al or scientific) Mfrs. 116 

Iron, ornamental 53 

Iron Foundry 116 


Iron Merchants (not 


junk or scrap iron) 187 

Iron Mines 128 

Iron Smelters 148 

Iron Work 52—53 


Iron and Steel Lock 
Gates, construction 

on ground 

Iron and Steel Works 

Irrigation Plant 

Irrigation Works 

Isinglass (fish glue) 

Mfrs. 

Isinglass (mica) Mfrs.... 
Ivory Turners 


52 

116 

138 

138 

138 

138 

138 


J 

Japanning Shops 

Jetty and Breakwater 
Building - 


138 

53 


Xlll 


PAGE 


Jewelry Mfrs 117 

Jewelry Stores 187 

Jobbing Work on Build- 
ings other than pri- 
vate residences 53 

Joiners (in shop) 194 

Junk Dealers 187 

Jute Mfrs 178 


K 

Keg Mfrs 194 

Key Mfrs 117 

Kindling Wood Mfrs 194 

Knitting Mills 178 

L 

Label Mfrs 151 

Label (metal) Mfrs 117 

Lace Mfrs 178 

Lace and Ornamental 

Paper Mfrs 151 

Ladder Mfrs 194 

Ladders, installation of, 

in buildings 53 

Ladies Hair Dressing 

and Manicuring 187 

Lamp and Lantern 

Mfrs 117 

Lamp Black Mfrs 137 

Lamp Lighters 53 

Lamp and Lamp Shade 

Mfrs 117 

Landscape Garden 

Work 5 3 

Lapidaries 138 

Lard Refiners 146 

Last Mfrs 194 

Last Block Mfrs 107 

Lath Mfrs 107 

Lathers 53 

Laundries 138 

Laundry — no machin- 
ery, doing hand work 
exclusively 138 

Lawn Mower Mfrs 117 


PAGE 

Lead (black) Mfrs 138 

Lead (red) Mfrs 31 

Lead (white) Mfrs 31 

Lead Mines 128 

Lead Pencil Mfrs..... 194 

Lead Smelters 148 

Lead Works 117 

Lead and Zinc Mines 128 

Leather Belting Mfrs... 105 
Leather Belting Mfrs. — 

away from s'hop 53 

Leather Board Mfrs 105 

Leather Dressers 105 

Leather Embossing 105 

Leather Wearing ap- 
parel and Novelties 105 

Leather and Hide Deal- 
ers 187 

Ledger Paper Mfrs 151 

Lens Mfrs 138 

Licorice Mfrs 29 

Lightning Rods, erect- 
ing 53 

Light Prisms, erecting... 53 

Lignoid Mfrs 159 

Lime Burners 164 

Lime Quarries - 164 

Linen Mfrs 178 

Linoleum and Cork 

Carpet Mfrs 138 

Linseed Oil Mfrs 146 

Lithographers .. 158 

Lithographic Stone 

Mfrs 164 

Lithoid Mfrs 164 

Live Stock Shippers 109 

Livery and Boarding 

Stables 138 

Lock Mfrs 117 

Locksmiths, repairing, 
fitting and installing 

locks, etc....... 53-54 

Locomotive Works 117 

Logging Railroad, oper- 
ation and mainten- 
ance of 107 

Logging and Lumbering 

Operations 107 

Loom Mfrs 117 


! Loom Harness, Cop- 
I tube and Shuttle 
Mfrs ! 

Lumber Dealers 

\ Lumber Yard Employ- 
ees 


M 

Macaroni Mfrs 

Machine Shops — no 
foundry 

Machine Shops — with 

foundry 

Machinery Dealers — 

(store only, no mfg. ) 
Mail Bag: or Pouch 

Mfrs 

Mail Box Mfrs 

Mail Chutes, in office 
buildings — installa- 
tion of 

Mailing and Addressing 

Companies 

Malleable Iron Works 

Malt Houses 

Manganese Mines 

Mantel ( marble or 

slate) Mfrs 

Mantel (wood) Mfrs 

Mantel Setters and Re- 
pairers 

Marble Cutters and 

Polishers 

Marble and Stone Set- 
ters — inside construc- 
tion 

Marble and Stone Set- 
ters — away from shop 
Marble and Stone Work 
— decoration in place 

only 

Marble or Granite Con- 
tractors 

Marine Engine Mfrs 

Marine Railway — con- 
struction of 

Marine Railway — oper- 
ation, including re- 
pairs, etc 

Marketmen — including 
meat and provision 
Store 


PAGE 


Marl Mfrs 156 

Masonry Bridges — other 

than concrete 54 

Masonry Work, build- 
ing chimneys only 54-55 

Masonry Work — (not 
otherwise classified)... 55 

Mast and Spar Mfrs 194 

Mat and Matting Mfrs. .. 178 

Match Mfrs v 139 

Mattress Mfrs. (no 
spring or wire work 

or excelsior Mfg. ) 178 

Mattress (wire) Mfrs.... 117 
Mausoleums, Monuments 
and Mortuary Work, 

erecting only 55 

Medicinal Extract Mfrs. 31 
Mercantile or Mfg. 
premises variously 

occupied 187 

Mercerizing Cotton 

Goods 178 

Merry -go- rounds, 
swings, etc., erecting, 

repairing, etc 55 

Metal Ceiling Mfrs 117 

Metal Ceiling Work — 
installation away 

from shop 55 

Metal Goods Mfrs. (not 
otherwise classified)... 117 

Metal Polish Mfrs I3y 

Metal Spinning 117-118 

Metal Screen Mfrs 118 

Metallic Lathing 55 

Mica Mines 128 

Mica — preparation of, 
for electric insulation 139 

Military Goods Mfrs 139 

Milk Dealers — store or 

depot only 187 

Milk, powdered, Mfrs 139 

Millers (not otherwise 

classified) 126 

Millinery Mfrs 178 

Millstone Mfrs 164 

Millwrights — erecting 
and repairing ma- ^ 
chinery 55 

Mineral Water Mfrs 31 


PAGE 

117 

138 

107 

29 

117 

117 

187 

105 

117 

54 

139 

117 

187 

128 

164 

194 

54 

164 

54 

54 

54 

54 

117 

54 

54 

187 


PAGE 


Mining and Milling Ma- 
chinery Mfrs 118 

Mirror Mfrs. — no glass 

making 156 

Mirror Mfrs. — silvering 
and bevelling only 139 

Molasses and syrup 

Mfrs 139 

Morocco Dressers 105 

Mortar Mfrs. 164 

Mosaic Work, floors 
only, within buildings 55 

Moving Pictures — Em- 
ployees representing 
scenes (not operat- 
ing ) 139 

Mucilage Mfrs 139 

Mural Decorations and 
setting stained glass 
windows 55 

Music Rolls for Piano 
Players 151 

Musical Instrument 

Mfrs. (metal) 118 

Musical Instrument 

Mfrs. (wood) 194 

Mustard Mills 139 


N 


Nail and Spike Mfrs 118 

Necktie Mfrs 178 

Needle Mfrs 118 

Net, not wire (no cord- 
age or twine mak- 
ing) 178 

News Agents 139 

Newspaper Offices 158 

Nickel Matte 148 

Nickel Mines 128 

Nickel Platers and Fin- 
ishers :.. 139 

Numbering Machine 

Mfrs 118 

Nurserymen ’ 139 

Nut and Bolt Mfrs 118 

Nuts — handling, clean- 
ing and shelling 139 


O PAGE 

Oakum Mfrs 140 

Oatmeal Mills 126 

Office Building 187 

Office Furniture and 
Fixtures — metal, erec- 
tion of 55 

Oil Mfrs. : 

Fish 146 

Lard 146 

Tallow 146 

Vegetable 146 

Oil Cake Mfrs 146 

Oil Cloth (all kinds) 

Mfrs 140 

Oil Distributing Co’s 140 

Oil Producing — includ- 
ing the driving of 

wells, etc.' 55 

Oil (petroleum) Refin- 
ers (not gasoline) 146 

Oil Stove Mfrs 118 

Oiled, Paraffined or 
Waxed Paper Mfrs. 

— no paper ’making 151" 

Oleomargarine Mfrs 146 

Omnibus Companies 
(inside stable only) 

(not selling) 140 

Oolitic, Indiana Blue 
and Indiana Buff, 

Lime Stone Quarries... 165 

Optical Goods Mfrs 140 

Ore Crushers' 148 

Ore Mines (not other- 
wise classified), 
shafts, tunnels or 

drifts 128 

Ore Mines, surface, no 
shafts, tunnels or 
drifts (not otherwise 

classified) 128 

Ores, concentrating and 

amalgamating •...,. 148 

Organ (cabinet or par- 
lor) Builders 194 

Organ (pipe for church- 
es) Builders 194-195 

Ornamental brass, 
bronze and iron work, 
within buildings, 
erecting 55 

Ornamental Iron Works 118 


XVI 


/ 


PAGE 


PAGE 


Owners, engaged in 
construction work, or 
for whom construc- 
tion is being done 56 

Oxy-acetylene welding 
(autogenous welding) 
56, 118 


P 

Packing Case Mfrs. — 

no machinery 

Packing Case Mfrs. — 
steam 

Packing Houses — in- 
cluding handling of 
cattle and slaughter- 
ing 

Packing Houses — no 
handling of livestock 

or slaughtering 

Pail Mfrs 

Paint Mfrs. (no lead 

mf g. ) - 

Painters, in shop 

Painting and decorat- 
ing away from shop... 
Painting and decorat- 
ing, interior work ex- 
clusively away from 

shop 

Paper Board Mfrs 

Paper Coating and Fin- 
ishing 

Paper Cutting for Pack- 
ing Purposes 

Paper Mfrs. — (all kinds 
except writing paper 

and cardboard) 

Paper Stock Dealers — 
handling new paper 
waste (no junk, rags 

or old paper) 

Paper and Pulp Mfrs 

Paper Hangers 

Papier Mache Goods 

Mfrs .... 

Parquet Floor Laying 

Parquet Flooring Mfrs. 

Paste Mfrs 

Patent Medicine Mfrs.... 


Patent Metal Mfrs. 
(rolling metal into 

thin sheets) 118 

Pattern and Model 

(wood) Mfrs 195 

Paviors (not other- 
wise classified) 56 

Pearline Mfrs 1'46 

Peanut, handling, clean- 
ing, sorting, etc 140 

Peat Fuel Mfrs 156 

Peg and Skewer (wood) 

Mfrs 195 

Pen Mfrs 118 

Perfumery and Flavor- 
ing Essence Mfrs 31 

Pharmaceutist Mfrs. 

(bandages, etc.).,.. 31 

Pharmaceutists 31 

Phonograph Mfrs 118 

Phonograph Record 

Mfrs 140 

Phosphate Mines 128 

Phosphate Works 140 

Photographers — Studio 

Work 188 

Photographers — outside 

work 140 

Photographic Sensitive 
Films and Dry Plates 
(mfg.) 140 

Photographic Supplies 
Mfrs 140 

Piano Mfrs. — including 
setting up at place of 

delivery 195 

Piano Mfrs. — assemb- 
ling only 195 

Piano Action Mfrs 195 

Piano Forte Case Mfrs. 195 
Piano Keys Mfrs 195 

Piano Plates Mfrs., ex- 
clusively 118 

Piano Players, Auto- 
matic 195 

Piano Wire Mfrs 118 

Pickle Mfrs 140 

Picture Frame Mfrs 195 

Picture Wire Mfrs 118 


107 

107 


109 


109 

195 

31 

140 

56 


56 

151 

151 

152 


151 


188 

151 
56 

152 
56 

195 
140 
31 

xvii 


PAGE 

Pile Drivers — including 
timber wharf building 


thereon 56 

Pile Driving for build- 
ing foundations 56 

Pin Mfrs 119 

Pipe (cast iron) Mfrs.... 119 

Pipe — Clay (tobacco) 

Mfrs 156 

Pipe Mfrs. — wood (to- 
bacco) 195 

Piping, flexible for in- 
terior work in build- 
ings to carry electric 

wires — Mfrs 140 

Pistol Mfrs 119 

Planing and Moulding- 

Mills 107 

Plaster Block (not fire- 
proof tile) Partitions, 

erection of 56 

Plaster Board — erecting 

away from shop 56 

Plaster Mills 165 

Plaster Mixing or Staff 

Mfrs 165 

Plasterers 56 

Plasterers — modeling, 
ornamental Plaster- 
ers (shop only) 140 

Plate or Window Glass 

Mfrs 156 

Playing Cards Mfrs 152 

Plow Mfrs 140 

Plumbers 119 

Plumbers (including 
house connections)...... 56 

Plumbers Supplies Mfrs. 119 

Plush and Velvet Goods 

Mfrs 178 

Pneumatic Tube Corn- 
pan i e s , operation 
only 140 

Pneumatic Tubes — in- 

stallation of, includ- 
ing construction of 
conduits, etc 56-57 

Pocketbook Mfrs 105 

Porcelain Ware Mfrs .156 

Pork Packers 109 

Portable Bakers’ Ovens, 
installation of 57 


PAGE 

Portable Buildings — 

erection of 57 

Potteries — flower pots, 
art and household 

utensils only 156 

Potteries (tiling, gas 
retorts, etc.) (includ- 
ing underground min- 
ing) 156 

Potteries (tiling, gas 
retorts, etc.) Mfrs. 

(no underground min- 
ing x 156 

Poultry Dealers, Whole- 
sale or Retail 188 

Poultry Food Mfrs 140 

Printers — hand 158 

Printers — steam 158 

Printers’ Rollers Mfrs.... 141 

Printing Press Mfrs 119 

Private Garages 188 

Private Stable 188-189 

Produce Dealers — Buy-> 

in (!• ' -i A -t 


Projectile, ' Shell or 

Case Mfrs „ 119 

Public Libraries 189 

Public Museums of Art 

or Natural History 189 

Public Picture Galler- 
ies 189 

Publishers 158 

Pulley Block (metal) 

Mfrs H 9 

Pulley Block (wood) 

Mfrs 195 

Pulp Liquor Mfrs 152 

Pulp and Paper Mfrs.... 152 
Pulp Mills 152 

Pump Mfrs. — (away 
from shop) 57 

Pump Mfrs 119 

Pump (wood) Mfrs 195 

Pure Food Mfrs. (no 
milling) 29 

Pure Food Mfrs. (in- 
cluding milling) 126 

Putty Mfrs 32 

Pyrographic Goods 
Mfrs 195 


xviii 


Q page 

Quarries, Bluestone, 
Granite or Marble for 
monumental building 
purposes 165 

Quarries (not otherwise 

classified) 165 

Quartz Mills 148 

Quill toothpick Mfrs 141 

Quilt Mfrs 178 

R 

Radiator Mfrs 119 

Radiator (for automo- 
biles) Mfg 119 

Rag and Paper Stock 

Dealers 189 

Railroad Car Mfrs 34 

Railroad Construction...57-59 
Railroad — steam, oper- 
ation of 141 

Railroad Hazard — Mfrs. 

and Contractors’ risk 141 

Railroad Signal erection 

or installation 59 

Rattan Goods Mfrs 195 

Razor Mfrs 119 

Real Estate Employees, 

outside of office 189 

Refrigerating Company, 
excavation and lay- 
ing pipe lines 59 

Refrigerating Machin- 
ery, installation of 59 

Refrigerator Cars — 
loading and unload- 
ing of 110 

Refrigerator Mfrs. 

(shop only) — 195 

Restaurants 189 

Retail Stores (not 
otherwise classified)... 189 

Revolver Mfrs 119 

Ribbon Mfrs 176 

Rice Mills 126 

Riggers — not ship or 

boat 59 

Riggers — ship or boat... 59 

Road or Street Making 59 

Road Roller Mfrs 119 

Rock Salt Mines 128 


PAGE 

Rolling Mills 121-122 

Roofers 59 

Roofing Felt Mfrs 142 

Rope Mfrs 142 

Rubber Mfrs 160 

Rubber Belting Mfrs 160 

Rubber Boot and Shoe 

Mfrs 160 

Rubber Cement Mfrs 160 

Rubber Garments Mfrs. 160 

Rubber Reclaiming Op- 
erations 160 

Rubber Stamp Mfrs 160 

Rubber Stock Dealers 

— receiving, etc 189 

Rubber Tire Mfrs 160 

Rug Mfrs 178 

S 

Sad Irons Mfrs. (flat- 
irons) 119 

Safe Mfrs 119 

Safe Movers 60 

Sail Makers 178 

Sales Stables 142 

Salt Mfrs. not mining 

or sinking wells 142 

Salt Mining — including 
driving wells 60 

Saltpetre Mfrs 32 

Salvage Operations in 
buildings damaged by 

fire 60 

Sand and Gravel Dig- 
gers 60 

Sand Excavation, suc- 
tion dredges 60 

Sand Paper Mfrs 152 

Sash, Door and Blind 
Mfrs 107 

Sausage Mfrs 110 

Sausage Case Mfrs 110 

Saw Mills 107 

Saw Mfrs 119 

Scale Mfrs 119 

School Supplies Mfrs 195 

Scrap Iron Dealers. — 189 

xix 


PAGE 


Scrap Iron and Junk 
Dealers (away from 

shop) 60 

Screen Mfrs 195 

Screw Mfrs -119 

Sculptors, Statuary and 

ornamental work in 
bronze including 

moulding 119 

Sewer Building 60 

Sewer Cleaning 60-61 

Sewer Pipe Mfrs 165 

Sewerage Disposal 
Plants, construction 

of 61 

Sewerage Disposal 
Plants, public — no 
sewer construction or 

blasting 61 

Sewing Machine Mfrs.... 119 

Shade Cloth Mfrs 178 

Shade Roller Mfrs 196 

Shaft Sinking 61 

Sheet Iron Stoves (oil 

or gas) 119 

Sheet Metal Workers 119 

Shingle Mfrs 108 

Ship and Boat Build- 
ers 6 1 

Ship Chandler Stores 189 

Shipwrights 61 

Shirt Mfrs 178 

Shoddy Mfrs 178 

Shoe and Boot Mfrs 105 

Shoe and Harness 

Blacking Mfrs 142 

Shoe Stock Mfrs 105 

Shoe String Mfrs 178 

Shot Works 120 

Shovels, Spades, Scoops 

and Hoes Mfrs 120 

Showcase Mfrs 196 

Showcases outside — 

erecting 61 

Shutter erecting and 

repair, metal 61 

Sign (advertising) 

Mfrs., erecting 61-62 

Sign Painting or Let- 
tering 62 


PAGE 


Silica Grinding 165 

Silica Mines 128 

Silk Mfrs 178 

Silk Thread Mfrs 178 

Silo Building 62 

Silver Mines 128 

Silver Platers 142 

Silver Reduction 148 

Silver Refiners 148 

Silver Smelters 148 

Silverware Mfrs 120 

Size Mfrs 142 

Skate Mfrs 120 

Skins, Goat and Sheep 
— importers and deal- 
ers 189 

Slag, excavation of 165 

Slate Mfrs 165 

Slate Quarries 165 

Slaters — away from 

shop ...... 62 

Slaughtermen 110 

Slipper Mfrs 105 

Slot Machine Mfrs 120 

Smelters (not otherwise 
classified) 148 

Smokestacks and chim- 
neys (metal) erecting 62 
Snow and Ice — remov- 
ing 62 

Soap and Soapine Mfrs. 146 
Soap Dispensers, instal- 
lation 62 

Soapstone Mfrs 165 

Soda Ash Mfrs 32 

Soda Bicarbonate Mfrs. 32 
Soda Water Apparatus 

Mfrs 120 

Soda Water Fountains 
installing 62 

Spar and Mast Mfrs 196 

Spedometer Mfrs 120 

Spice Mills 142 

Spool (wood) Mfrs 196 

Sporting Goods Mfrs 142 

Spring Mfrs 120 

Spring Bed Mfrs 120 


XX 


PAGE 

Sprinkler (automatic) 

Mfrs 120 

Stablemen 142 

Staff Workers 62 

Stair Building 62 

Stamping Works 120 

Starch Mfrs 142 

Stationary . Engine 

Mfrs 120 

Stationery Mfrs 153 

Statuary, Monuments, 

erection only 62 

Stave Mfrs 108 

Steamboats, Towing 
Boats, Tugboats and 
Barges on the Missis- 
sippi, etc 182 

Steam and Air Pressure 

Gauge Mfrs 120 

Steam Packing Mfrs. 

(metal) 120 

Steam Packing Mfrs. 

(not metal) 178 

Steam Heating — laying 
mains and connec- 
tions 62 

Steam Heating or Pow- 
er Companies, operat- 
ing 142 

Steam Pipes or Boilers, 
applying cork and as- 
bestos thereto 62 

Steam Radiator Mfrs 120 

Steam Road Roller 
Mfrs 120 

Steam Shovels, Dredges 
and Ballast Unloader 

Mfrs 120 

Steamship Agents 162 

Steel (crushed) 123 

Steel Freight Cars, 
Pressed Steel Truck 
Frames and Bolster 
Mfrs 120 

Steel Works 120-123 

Stencil Mfrs 123 

Stevedores or Lumpers... 162 

Stock Yards with Rail- 
road Entry 110 

Stone China Mfrs 156 


PAGE 

Stone Crushers (not 

lime stone) including 
quarrying 166 

Stone Crushers (no 

quarrying) 166 

Stone Yard 166 

Stones, Precious — cut- 
ting, etc 142 

Storage (cold) 189 

Storage (baled cottorj) 190 

Storage (furniture) 190 

Storage (grain) 190 

Storage — general mer- 
chandise (not other- 
wise classified) 190 

Storage Yards for wag- 
ons and trucks 142 

Store Risks — (not 

otherwise classified)... 189 

Stove Mfrs. (not sheet 
iron) 123 

Stove Mfrs. (sheet 

iron) 123 

Stove Polish Mfrs 142 

Straw Board Mfrs 153 

Straw Hat Mfrs - 179 

Street Cleaners 63 

Street or Road Making 63 
Street Railroad Com- 
panies 142-143 

Structural Iron and 

Steel Works 123 

Stuff and Woolen Dyers 179 
Subways, ' construction 

of 63 

Sugar Refiners 143 

Sulphur Mfrs 32 

Sulphur Pyrites Mines... 128 
Surveying and Inspect- 
ing Engineer Work 143 

Suspender Mfrs 179 

Sword Mfrs 123 

Syphons and Mineral 
Water Bottles 143 

T 

Tack Mfrs 123 

Tag, Check and Label 

(metal) Mfrs 123 


XXI 


PAGE 


Tag, Check and Label 
Mfrs. — paper or card- 
board only 153 

Tailor Store, wholesale 
or retail, including 
cutting 190 

Tailors 179 

Talc Mills 166 

Talc Mines 128 

Tallow Chandlers 146 

Tank Builders 123 

Tank (wood) Builders 

(shop only) 196 

Tank (wood) Builders 

erecting 63 

Tank or Gas Holders 

(metal) erecting 63 

Tannic Acid Mfrs 32 

Tanners 105 

Tar Mfrs 143 

Tartaric Acid Mfrs 32 

Telegraph and Tele- 

phone Apparatus 

Mfrs 123 

Telegraph or Telephone, 

construction only 63 

Telegraph and Tele- 

phone Companies — 
office and exchange 
employees 68 

Telegraph and Tele- 

phone Companies — 
operation, mainten- 
ance, etc 68 

Telescope Mfrs 123 

Telescopes, erecting 63 

Tenements 190 

Terra Cotta Mfrs. (art 
terra cotta for dec- 
orative purposes) 156 


Terra Cotta Mfrs. (no 
underground mining) 156 

Terra Cotta Mfrs. (in- 
cluding underground 
mining) 157 

Textile Mfrs. — cotton 
and woolen mills ex- 
cluding shoddy Mfrs. 179 

Theatre and Exposition 
Building Employees... 190 

Theatre Stage Rigging 63 


PAGE 

Theatrical Companies 

or Actors 190 

Theatrical Companies 
on Tour 190 

Thermometer Mfrs 123 

Thermometers — Clinical 

(no mfg. ) 143 

Thermostat Mfrs 123 

Thread (cotton or lin- 
en) Mfrs - 17 9 

Thread (silk) Mfrs 179 

Tile (for decorative 

purposes) Mfrs 157 

Tile (roof and drain- 
age) Mfrs. (includ- 
ing underground min- 
ing) 157 

Tile (roof and drain- 
age) Mfrs. (no un- 
derground mining) ... 157 

Tile Work — decorative 

floors, etc 64 

Tin Can Mfrs ~ 123 

Tin Foil Mfrs. 124 

Tin Plate Decorating 143 

Tin Plate Mfrs..._ 124 

Tin Plate Rolling and 

Dipping 124 

Tin Smelters 148 

Tinsmith Shop 124 

Tinsmiths — away from 

shop 64 

Tissue Paper Mfrs 153 

Tobacco ( chewing, 


Tobacco (snuff) Mfrs... 180 
Tobacco Mfrs. (not 

otherwise classified)... 180 

Tobacco Rehandlers 190 

Toilet Paper Mfrs 153 

Tool Mfrs. 124 

.Tortoise Shell Goods 

Mfrs 143 

Towel and Toilet Ar- 
ticles, distributing...! 4 3-1 4 4 

Toy (metal) Mfrs 124 

Toy (wood) Mfrs 196 

Traveling Salesmen 190 

Trees — pruning, spray- 


ing, etc...._. 


64 


PAGE 


Trunk Mfrs. (leather)... 105 

Trunk (wood) Mfrs 196 

Tub Mfrs 196 

Tube (metal) Mfrs 124 

| Tuck Pointing- 64 

Tunnel Lining Only 64 

Tunneling 64 

! Turners (wood) 196 

Twine and Cord Mfrs... 144 

I Type Founders 124 

; Typesetting Machine 

Mfrs 124 

Typewriter Mfrs 124 

: Typewriter Ribbon 

Mfrs 179 

U 

Umbrella Mfrs 179 

Undertakers ...-. 144 

Upholsterers (away 
from shop) 64 

Upholsterers (not fur- 
niture o r cabinet 

makers) 144 

Upholstery Fabric 

Mfrs . .’. 179 

Upholstery Trimmings 
Mfrs 179 

V 

Vacuum Cleaning Sys- 
tem, installation of 65 

Vacuum Cleaning 64-65 

Varnish Mfrs 32 

Vaults — fire and burg- 
lar proof construc- 
tion and installation... 65 

Vaults — prison vaults 

and cells 65 

Veneer Mfrs 108 

Veneer Package Mfrs... 196 

Veneer Seat Mfrs 196 

Ventilator Mfrs 124 

Vinegar Mfrs 144 

Vitriol Mfrs 32 

Voting Machine Mfrs 124 

Vulcanized Rubber 

Mfrs 160 


W PAGE 

Wadding and Waste 

Mfrs 179 

Wall Paper Mfrs. — pa- 
per making only 153 

Wall Paper Mfrs. — 
printing and finishing 

only 153 

Warehouse, private 190 

Warehousemen (gener- 
al merchandise, not 
otherwise classified)... 191 

Washboard Mfrs 196 

Washing Machine and 
Clothes Wringer 

Mfrs 196 

Watch Mfrs 124 

Watch Case Mfrs 124 

Watchmen and Time- 
keepers only 65 

Waterboats — supplying 

water for shipping 182 

Water Tower Mfrs 124 

Water Wheel (metal) 

Mfrs 124 

Waterproofing cellars 

and foundations 65 

Waterproofing (loth 160 

Waterproofing in or on 
structures by means 
of felt paper or pitch 

(no roofing) 65 

Waterworks, construc- 
tion of pumping sta- 
tion, dams and reser- 
voirs 65 

Waterworks — erection 
o f standpipes and 

water towers 65 

Waterworks — laying of 
mains and connec- 
tions 65 

Waterworks — operating 
only 144 

Wax Mfrs 146 

Weather Strips in win- 
dow and doors, in- 
stallation of 65 

Weather Strips Mfrs 196 

Weighers on docks 162 

Weighing Machine Mfrs. 124 

Welsbach Incandescent 
Mantel Mfrs 144 


XXII] 


PAGE 

Whalebone Goods Mfrs. 144 


Wheel (metal-car) 

Mfrs. 124 

Wheel (wood) Mfrs 34 

Wheelbarrow (metal) 

Mfrs 124 

Wheelbarrow (wood) 

Mfrs 196 

Whip Mfrs 144 

Whiting Mfrs 32 

Wholesale Stores (not 
otherwise classified)... 191 
Wholesale and Retail 
Stores (not otherwise 

classified) 191 

Wholesale o r Retail 

Poultry Dealers 191 

Wicking Mfrs 179 

Willow Ware Mfrs 196 

Windmill, erecting 65 

Windmill (metal) Mfrs. 124 
Windmill (wood) Mfrs. 196 
Window Blind and 

Wood Shade Mfrs 197 

Window Cleaning 65 

W'indow Cleaning De- 
vices, installation of, 


Window Curtain Roller 

Mfrs 14 4 

Window Frames, met- 
al, setting in buildings 66 
Window Opening De- 
vices — installation of 66 
Window Shade and 

Cloth Mfrs 179 

Wine Mfrs 144 

Wine and Spirit Mer- 
chants 191 

Wire Basket and Cage 

Mfrs 124 

Wire Cloth Mfrs 124 

Wire (decorative) Mfrs. 124 

Wire Drawing Works 124 

Wire (dress form) 

Mfrs 124 

Wire Fence Mfrs .... 124 

Wire Insulation for 
Electrical Purposes 144 

Wire Nail Mfrs 124 


PAGE 

Wire, Piano Wire Mfrs. 125 
Wire, Picture Wire 

Mfrs 125 

Wire Rope Mfrs 125 

Wire Work, interior, 
erection only, exclud- 
ing ornamental brass, 
bronze or iron work... 66 

Wood Mantel Mfrs - 197 

Wood Preservative 

Mfrs 32 

Wood Preserving and 

Fireproofing 144 

Wood Tank Builders 

(shop only) 197 

Wood Turners 197 

Wood Yard Employees 108 

Woodenware Mfrs 197 

Wool Combers 179 

Wool Extract Mfrs. 

(lanoline) 32 

Wool Extract -Mfrs. 

(chemical separation 
of wool from cotton) 179 

Wool Merchants 191 

Wool Pullers 105 

Wool Spinners, exclud- 
ing shoddy -Mfrs 179 

Wool Weavers, exclud- 
ing shoddy Mfrs 179 

Woolen Dyers 179 

Wreckers — marine 66 

Wreckers — not marine... 66 

Writing paper Mfrs 153 

Wrought Iron Pipe 
Mfrs 125 

Y 

Yacht Clubs 191 

Yarn Finishing — no 

mfg. of yarn 179 

Yarn Mfrs 179 

Yeast Mfrs 29 

Y. M. C. A. and Y. W. 

C. A. Institutions 191 

Z 

Zinc and Copper Goods 

Mfrs 125 

Zinc Smelters 148 


XX1Y 


INDIANA 

LIABILITY MANUAL. 


PUBLISHERS’ PREFACE. 

The Workmen’s Compensation Service and 
Information Bureau realizes that the loss ratio 
in Indiana is constantly increasing. The 
number of accidents and the number of claims 
per $100 of pay roll, and the average amount 
paid for claims have increased rapidly. In 
addition, new and drastic laws relating to em- 
ployers’ liability for accidents to workmen 
have greatly increased the cost to insurance 
companies for insuring against employers’ 
liability. The individual experience of any one 
company is not sufficient as a basis for an 
accurate calculation of reasonable and safe 
rates. The Bureau has therefore obtained ex- 
tensive data from its members and from other 
sources, and with this information a Bureau 
Committee, composed of underwriters and 
actuaries, has attempted to determine the 
lowest rates at which business may be written 
with safety to the companies and security to 
the policyholders. The results thus obtained 
have been tabulated, classified, and compiled 
in this Manual of rates. 

The Bureau would gladly undertake the 
work of attempting to reduce the number of 
1 


accidents, as it appears that many of the re- 
ported accidents might have been avoided by 
the adoption of well-considered plans and 
devices designed to protect workmen from 
injury, but the Bureau can undertake such 
work only when supported by fixed rates. As 
it is the opinion of some of the Bureau members 
at least that the State of Indiana is not yet 
prepared to authorize fixed rates, with the result- 
ing rewards to those who desire to accept the 
assistance of the Bureau in an effort to reduce 
the number of accidents, fixed rates will not be 
undertaken at this time. The inspection of 
work-places will be continued by the Bureau 
members through their regularly equipped 
Inspection Departments but so long as bad 
physical and moral conditions cannot be pen- 
alized by means of fixed increases and so long as 
good moral and physical conditions cannot be 
rewarded by fixed reductions, this inspection 
service cannot be as effective as it would be 
under other conditions. The Bureau hopes 
that at no distant day it may be able to perform 
a real service for both the employers and the 
employed in the State of Indiana and thereby 
bring about a condition of real improvement 
in which the prevention of accidents shall be 
the principal effort while compensation for 
accidents becomes less important. 

This Manual is purely advisory. It is 
intended by the Bureau to state the lowest 
rates at which, in the opinion of its Committee 


2 


after thorough investigation, risks in the 
several classifications may be written with 
safety. The Bureau strongly urges its members, 
as well as all other companies writing this line 
of business to adhere to these rates. The 
Bureau cannot institute the personal service in 
connection with this Manual which has been 
so helpful in other states but places the result 
of its work in the hands of the companies as a 
basis for the exercise of sound and wise 
underwriting discretion. 

This Manual is offered for sale to all 
insurance companies, whether members of the 
Bureau or not, and to any other individual or 
organization wishing to purchase it for his or 
their own use or guidance. The recommen- 
dations respecting procedure contained in this 
Manual are submitted to insuring companies 
for the guidance of their representatives. 
These recommendations, like the rates and 
classifications, are wholly advisory so far as this 
Bureau is concerned. 


GENERAL RECOMMENDATIONS 

Representatives of companies should read 
the recommendations, classifications and rates 
contained in this Manual very carefully. 

Representatives should be especially careful 
to see that every portion of the application or 
proposal for insurance is correctly prepared, as 
this is the basis of the insurance contract, and 
any inaccuracy or uncertainty as to the nature 
of the risk may lead to serious misunderstanding 
and result in dissatisfaction to the insured, to 
the insuring company, and to its representative. 
Classifications should be stated as in the 
Manual, and an estimate of pay roll, with the 
proper premium rate, should appear in all 
applications or proposals. 


4 


ESTIMATED WAGES. 

Applications or proposals for liability insur- 
ance, whether new business or renewals, should 
state as accurately as possible the estimated 
expenditure for the contemplated term of the 
policy; and, where obtainable, the actual ex- 
penditure of wages for the preceding policy or 
calendar year should also be stated as an indi- 
cation of the sufficiency of the estimate. When- 
ever employees are paid, in whole or in part, on 
the basis of piecework or any basis other than 
that of time actually engaged in work, or by 
board, store certificates, merchandise, credits, or 
any other substitute for cash, such form of pay- 
ment should be considered as wages or part 
wages, to be included in the actual disbursements 
reported at the time of expiration of the policy 
upon which the adjustment of premium is made. 


5 


TABLE OF LIMITS. 

All rates in this Manual are for limits of 
$5,000 and $10,000. 

In the following table of limits, the basis 
rates in this Manual for the standard limits are 
taken as 100%, and the rates above or below, as 
expressed, are a percentage of the basis rate. 
These percentages are expressed in four columns 
marked, respectively, “ A,” “ B,” “ C,” and 
“ D.” To these columns, reference is made at 


the top of each of the 


For Limits of “A.” 

$1,500/10,000 85% 

2,500/10,000 92$% 

5,000/10,000 100% 

5,000/15,000 115% 

5,000/20,000 130% 

5,000/25,000 140% 

5,000/30,000 145% 

5,000/35,000 150% 

5,000/40,000 155% 

5,000/45,000 160% 

5,000/50,000 165% 

7,500/10,000 115% 

7,500/15,000 13Q% 

7,500/20,000 145% 

7,500/25,000 155% 

7,500/30,000 160% 

7,500/35,000 165% 

7,500/40,000 170% 

7,500/45,000 .175% 

7,500/50,000 180% 

10,000/10,000 120% 

10,000/15,000 135% 

10,000/20,000 150% 

10,000/25,000 160% 

10,000/30,000 165% 

10,000/35,000 170% 

10,000/40,000 175% 

10,000/45,000 180% 


schedules. 


“ B.” 

“ C.” 

v D ” 

85% 

85% 

85% 

92$% 

92$% 

92$% 

100% 

100% 

100% 

112% 

no% 

107% 

125% 

120% 

115% 

135% 

130% 

125% 

140% 

135% 

130% 

145% 

140% 

135% 

150% 

145% 

140% 

155% 

147% 

142% 

160% 

150% 

145% 

112% 

110% 

107% 

125% 

120% 

115% 

137% 

130% 

122% 

147% 

140% 

132% 

152% 

145% 

137% 

157% 

150% 

142% 

162% 

155% 

147% 

167% 

157% 

150% 

172% 

160% 

152% 

115% 

113% 

no% 

127% 

123% 

117% 

140% 

133$% 

125% 

150% 

143% 

135% 

155% 

148% 

140% 

160% 

150% 

145% 

165% 

158% 

150% 

170% 

160% 

152% 


6 


For Limits of “ A.” 

$10,000/50,000 185% 

15,000/15,000 145% 

15,000/20,000 160% 

15,000/25,000 170% 

15,000/30,000 175% 

15,000/35,000 180% 

15,000/40,000 185% 

15,000/45,000 190% 

15,000/50,000... 195% 

20,000/20,000 170% 

20,000/25,000 180% 

20,000/30,000 185% 

20,000/35,000 190% 

20,000/40,000 195% 

20,000/45,000. 200% 

20,000/50,000 205% 

25,000/50,000 210% 

30,000/60,000 215% 

35,000/70,000 220% 

40,000/80,000 225% 

45,000/90,000 230% 

50,000/100,000 235% 

60,000/120,000 240% 

60,000/130,000 245% 

70,000/140,000 250% 

75,000/150,000 255% 


" B.” 

“ C.” 

“ D.” 

175% 

163% 

155% 

132% 

125% 

122% 

145% 

135% 

130% 

155% 

145% 

140% 

160% 

150% 

145% 

165% 

155% 

150% 

170% 

160% 

155% 

175% 

162% 

157% 

180% 

165% 

160% 

155% 

140% 

135% 

165% 

150% 

145% 

170% 

155% 

150% 

175% 

160% 

155% 

180% 

165% 

160% 

185% 

167% 

162% 

190% 

170% 

165% 

195% 

175% 

170% 

200% 

180% 

175% 

205% 

185% 

180% 

210% 

190% 

185% 

215% 

195% 

190% 

220% 

200% 

195% 

225% 

205% 

200% 

230% 

210% 

205% 

235% 

215% 

210% 

240% 

220% 

215% 


MEDICAL AID. 


The rates in this Manual provide for the 
customary coverage for first medical aid in all 
cases. It is recommended that first medical aid 
may be excluded from any Employers’ Liability 
policy, and a discount of 10% of the Manual 
rate allowed for such exclusion, except risks 
included in the Contractors’ and Electric 
Schedules, for which the discount shall be 
5%. These discounts should apply only to 
the Employers’ Liability rate for the standard 
limits of $5,000 and $10,000, but if Public 
Liability insurance is also written concurrently 
therewith, first medical aid should also be 
excluded from the Public Liability policy, for 
which exclusion no discount upon Public 
Liability rate should be allowed. 

Full Medical or Surgical Aid. — It is recom- 
mended that Employers’ Liability policies 
may be extended to cover full medical or 
surgical aid under conditions which seem 
best fitted to the particular risk to be 
covered, upon the following basis (per- 
centages apply only to rates for standard 
limits of $5,000 and $10,000) : 

(a.) If the contract provides for the ser- 
vices of a physician or surgeon only. 
For Contractors’ and Electric Schedules, 
charge additional 20%. 

For Metal Schedule, charge additional 
35%. 

S 


For all other Schedules, charge additional 
25%. 

(6.) If ambulance charges are to be included, 
as well as the services of the physician 
or surgeon, 

For Contractors' and Electric Schedules, 
charge additional 25%. 

For Metal Schedule, charge additional 
40%. 

For all other Schedules, charge additional 
30%. 

(c.) If hospital charges are to be included, 
as well as ambulance charges and 
physician or surgeon's services. 

For Contractors' and Electric Schedules, 
charge additional 35%. 

For Metal Schedule, charge additional 
50%. 

For all other Schedules, charge additional 
40%. 

Note . — Funeral expenses should not be 
considered a part of a full medical or 
surgical aid undertaking, and should not 
be included. 

Minimum Premium. — The Minimum Premium 
for any policy written to include full medi- 
cal or surgical aid should be increased in 
the same proportion as the rate is in- 
creased under these recommendations. 


9 


Full Medical Aid — General Liability 
Risk. — Whenever the Manual provides a 
percentage for Full Medical Aid and it is 
desired to furnish Full Medical Aid under 
a General Liability policy, the percentage 
should be applied to the rate for the E.L. 
hazard, that is, to the rate on the pay roll. 
The percentage should not be applied to 
the other premium elements of a General 
Liability risk. 


10 


DEDUCTIBLE AVERAGE. 

The term “ Deductible Average ” is used to 
designate that form of insurance under which a 
certain stated amount is deducted from each 
claim, the insuring company paying only the 
balance. The amount so deducted is, of 
course, paid by the insured. If a claim is settled 
for an amount not exceeding the deductible 
average, the insured pays the entire claim. 

It is recommended that liability policies 
involving deductible average be written on 
the basis of the following recommendations 
and rates: 

No policy providing for a deductible aver- 
age should be written for less than the 
standard limits of $5,000/$10,000. 

No policy providing for deductible average 
should be written to include medical or 
surgical aid of any character, and no 
further discount than that provided by 
these recommendations should be allowed 
for the elimination of medical or surgical 
aid. Other recommendations in this 
Manual setting forth a discount for the 
elimination of first surgical aid do not 
apply. 

It is recommended that policies providing 
for a deductible average be written for 
limits greater than $5,000/$10,000, in 
accordance with the rates given in the 
Limit Table. The discount herein pro- 
11 


vided should apply only to the Manual 
rate and not to the excess charge. 

Because of the additional expense involved 
in elevator risks by reason of inspection, 
the rates of discount herein provided for 
the various deductible average propo- 
sitions should be reduced when made 
applicable to elevators of any character, 
whether such elevators are written 
separately, or in policies covering other 
parts of the risk. 

Rates for standard limits only should be 
reduced for deductible average, in ac- 


cordance with the following 
percentage : 

For 

Elevators. 

schedule of 

For All 
Other Lines. 

For $100 

Deductible 

Average 

0 

15% 

For $150 


“ 

10% 

25% 

For $250 


“ 

20% 

35% 

For $500 


“ 

25% 

40% 

For $1000 



30% 

45% 

For $2000 



40% 

50% 

For $2500 



45% 

55% 

For $3000 



47^% 

57 14% 

For $3500 



50% 

60% 

For $1000 



52 J4% 

62J4% 

For $4500 



55% 

70% 


Deductible Average Endorsements. — In 
calculating rates for deductible average 
endorsements, the printed Manual rate 
for $5,000/$10,000 limits should be used as 
a basis; in other words, the percentage of 
discount should be applied to the printed 
Manual rate or rates used for writing 
the risk. 


12 


It is recommended that this recommen- 
dation should not apply to automobile 
policies, but only to the lines and classi- 
fications contained within this Manual. 

All policies providing for a deductible 
average, should bear an endorsement 
reading as follows: 

In consideration of the reduced 
premium rate at which the Policy 
carrying this endorsement is ivritten 
it is agreed that any claim covered 
by the Policy which is not greater 

than $ shall be paid by 

the Insured and that from the 
amount of any claim which is in ex- 
cess thereof , such sum of $ 

shall be deducted by the Company 
and paid by the Insured. The ivord 
“claim” as used herein shall mean 
the amount actually paid to a 
claimant, not including the cost of 
surgical or medical treatment, 
medicines, appliances or gratuities 
of any kind. 


13 


POLICY LIMITS. 


All rates in this Manual are for “ standard 
limits,” so-called, being a limit of $5,000.00 for 
any one person injured, and subject to that 
amount for each person, a total limit of 
$10,000.00 for any number of persons injured 
in the same accident. 

LONG TERM POLICIES. 

All rates in this Manual, unless otherwise 
expressly stated, are for one year, and no dis- 
counts therefrom should be made for policies 
written for a longer term than one year, except 
as specifically provided in the recommen- 
dations relating to elevator and general liability 
insurance. 


14 


ADDITIONAL INTERESTS. 

No Liability Policy should be written to 
cover more than one insurable interest, except 
under and in accordance with recommendations 
contained in this Manual. If the Manual does 
not otherwise contain a recommendation re- 
specting any particular risk, the following 
recommendation should apply; but attention is 
directed to several special recommendations 
preceding different schedules, in which specific 
recommendations in this respect are made. 
Where such special recommendations exist, 
this general recommendation does not apply. 

Liability Policies issued to cover more than 
one person, firm, corporation, or estate should be 
considered as written to cover additional 
interests, except as follows: 


(а) Policies issued to cover the estate of a 
deceased person, where an executor or 
administrator is named, although so ex- 
pressed as to cover the individual interest 
of such executor or administrator, involve 
but one insurable interest. 

(б) Co-owners or partners in the subject 
matter of the insurance may be covered 
under one policy as one interest, without 
additional charge, although the policy is so 
written as to cover the individual interest 
of each owner or partner. 

55 


Under ail other conditions, the following per- 
centages should be added to the Manual rate, or 
any increase of that rate for increased limits: 

For one additional interest, 25% 

For two additional interests, 35% 

For three or more additional 
interests, 45% 


16 


EXECUTIVE OFFICERS. 

Executive Officers. — It is recommended 
that the remuneration of the President, 
Vice-President, Secretary, or Treasurer, of 
any corporate insured, be excluded, with 
the provision, however, that all injuries 
sustained by any such officers shall also 
also be excluded from the operation of 
the policy. Executive officers may be 
covered at the rate provided in this 
Manual for clerical office force, but such 
rate shall apply to the entire remunera- 
tion of such officers and not to an agreed 
fraction thereof. 

Clerical Office Employees. — It is recom- 
mended that the remuneration of the office 
force engaged in strictly clerical duties 
also be excluded from the pay roll to which 
the premium rate is to be applied, with 
the provision, however, that injuries sus- 
tained by any such employee shall be ex- 
cluded from the coverage provided by such 
policies. It is proper to state separately 
in the schedule the remuneration of office 
employees engaged in strictly clerical 
duties, and apply thereto the rates 
provided in this Manual. 

Draughtsmen. — It is recommended that the 
remuneration of Draughtsmen engaged 
strictly in that profession may be excluded 
from the pay roll to which the premium 
17 


rate is to be applied, with the provision, 
however, that injuries sustained by any 
such employee shall be excluded from the 
coverage provided by such policies. It is 
proper to state separately in the schedule 
the remuneration of Draughtsmen engaged 
in strictly Draughtsmen's duties and apply 
thereto the rates provided in this Manual. 
In the case of Draughtsmen supervising, 
it is proper to apply the rates applicable to 
the hazard in connection with which such 
draughtsmen are employed. 


18 


TRAVELING SALESMEN. 

It is recommended that the compensation of 
traveling salesmen be excluded from the policy, 
with the provision, however, that all liability 
for accidents to them shall be excluded from the 
coverage furnished by the policy. It is also rec- 
ommended that traveling salesmen may be cov- 
ered while on the premises covered by the insur- 
ance, by including in the policy an amount equal 
toone-thirdof their wages or other compensation, 
including commissions, and subjecting that 
amount to the same premium rate as is herein 
provided for clerical office force. This recom- 
mendation for applying the premium rate to a 
portion of the wages is not applicable to city 
salesmen, whose duties require them to visit the 
the insured premises practically every day, nor 
does it apply to traveling salesmen, if the 
policy is so devised as to cover such traveling 
salesmen while away from the premises of the 
insured. 


19 


DRIVERS. 


It is recommended that the compensation of 
drivers may be excluded, with the provision, 
however, that accidents to them shall also be 
excluded from the coverage provided by the 
policy. If the insured carries a concurrent 
teams' policy in a given company, it is recom- 
mended that drivers employed upon such teams 
be covered under Employers' and Public 
Liability policies in the same company, with- 
out additional premium charge. This provision 
does not apply to helpers nor to automobile 
drivers or chauffeurs. Drivers and their helpers 
should be covered under Employers' and Public 
Liability policies only upon their full compen- 
sation, at the Manual rate for the principal 
classification upon which the policy is written, 
except as hereinbefore otherwise recommended. 


20 


AUTOMOBILE INSURANCE. 

The recommendations and rates of the Bureau 
for Automobile Liability Insurance, also Prop- 
erty Damage and Collision in connection 
therewith, are not included in this Manual. 
Reference is made to a separate Manual for 
this line. 


21 


OWNERS* AND CONTRACTORS’ CONTINGENT 
OR PROTECTIVE INSURANCE. 

Percentage Contracts. — If an owner em- 
ploys a contractor on the “ percentage 
basis,” so called, and the owner does not 
employ direct or control any labor or 
furnish any material, equipment, or tools, 
except by and through such contractor, 
it is recommended that both the owner and 
contractor may be named as insured in 
policies issued to cover the work to be done, 
without additional premium charge, but if 
any of the work is sublet by such con- 
tractor, upon a percentage or any other 
basis, contingent or protective liability 
insurance should be carried under the 
conditions and at the rates herein pro- 
vided for contractors’ contingent or pro- 
tective insurance. 


All contingent or protective premium rates 
herein provided should be applied to the total 
cost of all work let or sublet, including all labor, 
material and equipment used or delivered for 
use in the execution of such work, whether 
furnished by the owner, the contractor, or the 
sub-contractor, also all allowances, bonuses, or 
commissions made, paid, or due. 


1. Owners’ contingent or protective insur- 
ance not available to contractors and covering 

22 


all work provided for under contract or con- 
tracts with the owner, but not. on a percentage 
basis. 

(а) Where the owner furnishes no material, 
tools or equipment and employs no 
superintendent, watchmen or laborers, 
rate for each $100.00 of the total cost of 
the work let or sublet, 10 cents. 

(б) If the owner furnishes any portion of 
the material or equipment, but employs no 
superintendent, watchmen or laborers, for 
each $100.00 of the total cost of the work 
let or sublet, 25 cents. 

( c ) If the owner employs any superinten- 
dent, watchmen or laborers on the prem- 
ises, these employees should be covered 
under Employers' and Public Liability 
policies under the rules and at the rates 
provided in the Contractors' Schedule, and 
the minimum premium for such a policy 
should not be less than $10.00 per annum. 

0 d ) If the owner of land makes a long 
term lease to another, the lessee to erect a 
building upon the land, the owner of the 
land having no relation to or connection 
with the work or construction, a contin- 
gent or protective policy to cover such 
lessor during the construction of the build- 
ing should be written at a rate of 5 cents 
for each $100.00 of the total cost of the 
building as hereinbefore defined. The 
policy, however, should be endorsed to 
express these existing conditions. 


23 


2. Contractors' contingent or protective 
insurance covering work to be performed under 
sub-contract or sub-contracts upon a percent- 
age or any other basis. 

(a) If the contractor does not furnish any 
material, tools or equipment for the use 
of any sub-contractor, charge for each 
$100.00 of the total cost of the work 
sublet 12 J /2 cents. 

(b) Where the contractor furnishes any 
portion of the material, tools or equip- 
ment for use of any sub-contractor, charge 
for each $100.00 of the total cost of work 
sublet 30 cents. 

(c) If the contractor employs any super- 
intendent, watchmen or laborers upon the 
premises or undertakes the actual per- 
formance of any portion of the work, such 
employees and such work should be covered 
by means of Employers' and Public Lia- 
bility policies on the pay roll basis under 
the recommendations and upon the rates 
provided in the Contractors’ Schedule, and 
such policies should be concurrent with and 
carried by the given company in connection 
with its contingent or protective policies, 
on the portion** of the work sublet. 

3. Contractors engaged in setting boilers 
or engines under contract, with manufacturers 
or purchasers; rate to be applied to the entire 
cost of the contract work exclusive of the cost 
of boilers, engines or appliances thereof 
furnished by the manufacturer; Contingent 
or Protective rate, $1.50. 


24 


Minimum Premium. — For all Contingent Lia- 
bility lines, $25.00. 

Limit Table. — For all classifications, Rate 
“ C.” 

Note . — Contingent or Protective insur- 
ance should not be written for limits of less 
than $5,000.00 and $10,000.00. 


25 


ALTERATION PERMIT 
It is recommended that a permit for Altera- 
tions, Additions or Repairs to be done within 
the term of an existing policy be endorsed 
upon General Liability policies or upon Em- 
ployers and Public Liability policies at the rates 
named in this Manual for the classification and 
coverage desired. It is recommended that the 
Contingent or Protective rates be available 
only when the Alterations, Additions, or Repairs 
are to be done wholly by independent con- 
tractors. The following minimum premiums 
should be charged upon these permits irre- 
spective of their terms, which should be in 
addition to the premiums required for the 
policies to which such permits are attached. 


Employers' Liability $5.00 

Employers' Liability and Public Lia- 
bility $5.00 

General Liability $5.00 

Contingent or Protective $5.00 


26 


WORKMEN’S COLLECTIVE INSURANCE. 

Workmen’s collective insurance is accident 
insurance covering accidents of occupation 
only, except as hereinafter provided, and gives 
the following benefits: 

(a) In the event of death within ninety days 
a sum equal to, but not exceeding one year's 
wages, limited to $1,500. 

(b) For the loss of two limbs or two eyes, 
a sum equal to the amount payable under the 
policy at death. 

(c) For the loss of one limb, a sum equal to 
one-third the amount payable under the policy 
at death. 

(d) For the loss of one eye, a sum equal to 
one-eighth the amount payable under the 
policy at death. 

(e) In the event of temporary total disabil- 
ity, a sum equal to but not exceeding one-half 
the weekly wages for a period not exceeding 
twenty-six weeks, such some not to exceed $750 
in respect of any one person injured during the 
policy year. 

The “ Workmen's Collective Rates," are for 
the foregoing benefits only, covering accidents 
of occupation during working hours only. 

If the benefits under clauses (a), (b), (c) and 
(d) be reduced one-half, the rate will be fifteen 
per cent. less. 


27 


Workmen’s Collective Policies may also be 
written to cover the whole twenty-four hours, 
i. e., the exposure of the workmen to accidents 
while away from work as well as the hazard of 
their occupation. The additional charge for 
such policy should be fifteen per cent, of the 
printed rates. 

It is recommended that no discount be 
allowed either on E. L. premium or W. C. 
premium when these policies are written 
concurrently. 

Minimum Annual Premium $50 . 00. 

Full Medical Aid— If Workmen's Col- 
lective is written alone without E L. insurance, 
the following percentages should be applied 
to the printed rate for Workmen's Collective 


for Full Medical Aid. 

Covering actual physician's 

charges 30% 

If ambulance charges are in- 
cluded 35% 

If in addition hospital charges 
are included 40% 


28 





' 














































' . 








. I mm 






















■ 





















•• 




* 






































BAKERS, CONFECTIONERS, ETC., SCHEDULE- 
RECOMMENDATIONS. 

Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — All classifications, Rate “ D.” 

Read General Recommendations. 

BAKERS, CONFECTIONERS, ETC., SCHEDULE- 


RATES. 

Classification. E.L«. Coll. P-li. 

Bakers (bread, biscuit, and 

cracker) 59 1.00 .03 

Baking Powder Mfrs 59 1.00 .03 

Candy Mfrs 73 1.00 .03 

Chewing Gum Mfrs 59 1.00 .03 

Chocolate Mfrs 73 1.00 .03 

Cocoa Mfrs 59 1.00 .03 

Confectionery Mfrs .73 1.00 .03 

Cracker Mfrs 59 1.00 .03 

Ice Cream Mfrs 59 1.00 .03 

Licorice Mfrs 73 1.00 .03 

Macaroni Mfrs 59 1.00 .03 

Pure Food Mfrs. (no milling) 59 1.00 .03 

Yeast Mfrs 59 1.00 .03 


29 


CHEMICAL, PAINT AND DRUG SCHEDULE- 
RECOMMENDATIONS. 

Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium., including Teams, should be not less 
than $25.00. 

Limit Table. — For Acid, Aerated Water, 
Benzine, Carbonic Acid Gas, Chemical 
(not otherwise classified), Hydrogen and 
Oxygen, Mineral Water, Sulphur and 
Vitriol, Rate “ B.” All other classifica- 
tions, Rate “ C.” 

Read General Recommendations . 


CHEMICAL, PAINT AND DRUG SCHEDULE- 
RATES. 

Classification. EX. Coll. P.L- 

Absorbent Cotton Mfrs 59 1.00 .03 

Acid Mfrs. (not otherwise classi- 
fied) 1.26 2.00 .05 

Aerated Water Mfrs 2.52 1.25 .10 

Alcohol and Acetic Acid Mfrs... 59 1.25 .05 

Alum Mfrs 80 1.25 .05 

Ammonia Mfrs 59 1.25 .05 

Aniline and Alizarine Mfrs 1.26 1.50 .05 

30 



' 

. 


























. 









































• • - • • 1 . ‘ ■ i 

■ 























CHEMICAL, PAINT AND DRUG SCHEDULE — RATES.— Cont. 

Classification. E.I«. Coll. P.li. 

Arsenic Mfrs 1.26 2.00 .05 

Benzine Mfrs 1.26 1.50 .05 

Bleaching Powder Mfrs 80 1.25 .05 

Borax Mfrs 80 1.25 .05 

Camphor Mfrs 59 1.25 .05 

Capsule (gelatine) Mfrs 59 1.25 .03 

Carbonic Acid Gas Mfrs 2.52 1.50 .10 

Chemical Mfrs. (not otherwise 

classified) 1.26 2.00 .05 

Color (dry) Mfrs 59 1.25 .03 

Creosote Mfrs 59 1.25 .05 

Dental Material Mfrs.. 59 1.00 .03 

Disinfectant Mfrs 59 1.50 .03 

Drug Mfrs. (grinding medicines) . .59 1.00 .03 

Essential Oils, Distillation of.... .59 1.25 .03 

Extract (dyewood) Mfrs 80 1.25 .05 

Flavoring Extract Mfrs 42 1.00 .03 

Hydrogen and Oxygen Mfrs. . . . 2.52 1.25 .10 

Lead (red) Mfrs 1.01 1.25 .05 

Lead (white) Mfrs 1.01 1.25 .05 

Medicinal Extract Mfrs 42 1.00 .03 

Mineral Water Mfrs 2.52 1.25 .10 

Paint Mfrs. (no lead mfg.) 59 1.25 .03 

Patent Medicine Mfrs 42 1.00 .03 

Perfumery and Flavoring Essence 

Mfrs 42 1.00 .03 

Pharmaceutists 42 1.00 .03 

Pharmaceutist Mfrs. (bandages, 
porous plasters, and like fab- 
rics, not otherwise classified) . .59 1.00 .03 

31 






CHEMICAL, PAINT AND DRUG SCHEDULE— RATES.— Cont. 

Classification. EX. Coll. FX. 

Putty Mfrs 59 1.25 .03 

Saltpetre Mfrs 80 1.50 .05 

Soda Ash Mfrs 80 1.50 .05 

Soda-Bicarbonate Mfrs 59 1.00 .03 

Sulphur Mfrs 1.26 1.25 .05 

Tannic Acid Mfrs 1.12 1.25 .03 

Tartaric Acid Mfrs 59 1.00 .05 

Varnish Mfrs 59 1.25 .03 

Vitriol Mfrs 1.26 2.00 .05 

Whiting Mfrs 59 1.25 .03 

Wood Preservative Mfrs 59 1.25 .05 

Wool Extract Mfrs. (lanoline) . . . .80 1.50 .03 


















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COACH, CARRIAGE AND WAGON SCHEDULE- 
RECOMMENDATIONS. 

Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — All classifications, Rate “ D.” 

Stamping. — All rates in this schedule include 
stamping hazard, if any. 

Read General Recommendations. 


COACH, CARRIAGE AND WAGON SCHEDULE- 
RATES. 


Classification. 

EX. 

Coll. 

PX. 

Automobile Mfrs 

.63 

1.20 

.03 

Axle (wood) Mfrs 

1.12 

1.25 

.05 

Baby Carriage Mfrs 

.56 

1.00 

.03 

Car (railroad) Mfrs. ( no steel 




cars) 

2.10 

3.00 

.15 

Carriage, Coach, and Wagon Mfrs. 




(not manufacturing railroad 




cars) 

.56 

1.20 

.03 


Carriage, Coach, and Wagon Mfrs. 
(assembling of manufactured 


33 



COACH, CARRIAGE AND WAGON SCHEDULE— RATES— 

Continued. 

Classification. EX. Coll. PX. 

parts only) (not available for 

division of pay roll) 42 1.20. .03 

Railroad Car Mfrs. (no steel cars) 2.10 3.00 .15 

Wheel (wood) Mfrs 1.12 1.20 .05 



























9 

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COAL MINERS’ SCHEDULE- 
RECOMMENDATIONS. 


% 

Minimum Premium. — For E.L. only, or E.L. 
and P.L., $50.00. 

Limit Table. — All classifications, Rate “ A.” 

Public Liability. — Considered undesirable. 
Apply to Home Office before attempting to 
rate. 

Blasting. — All rates in this schedule include 
blasting, if any. 

Construction, Re-construction, Mainte- 
nance and Repair. — All rates in this 
schedule include the construction, re-con- 
struction, maintenance, and repair of all 
buildings or structures used or maintained 
in connection with mining operations, if 
done by employees of the insured. 

Read General Recommendations. 


COAL MINERS’ SCHEDULE— RATES. 


Classification. 

E.E. 

Coll. 

r.E. 

Coal Mines — with shafts, tunnels, 




or galleries : 

Anthracite 

2.45 

6.00 

(a) 

Bituminous 

Coal mines — with drifts or slopes, 

2.45 

6.00 

(a) 

tunnels or galleries (no 
shafts) : 




Anthracite 

2.45 

6.00 

(a) 

Bituminous 

2.45 

6.00 

(a) 


35 








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* 













CONTRACTORS’ SCHEDULE- 
RECOMMENDATIONS. 

Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $50.00. 

Limit Table. — For all classifications rated 
at $4.50 E.L. or over, Rate “ B.” For all 
classifications rated at $1.50 E.L. or over 
but less than $4.50 E.L., Rate “ C.” For 
all other classifications, Rate “ D.” 

Blasting. — Rates in this schedule do not in- 
clude the blasting hazard except when 
specifically included in the classification 
and all policies should exclude blasting 
unless the ordinary rates are increased to 
cover blasting hazards in accordance with 
the blasting classification. 

Railroads. — The rates in this schedule include 
the construction, maintenance, and opera- 
tion by contractors of temporary work 
roads in connection with the work insured, 
provided such road is constructed, main- 
tained, and operated exclusively for the 
prosecution of the work covered by the 
insurance; that such construction, main- 
tenance, and operation is wholly by means 
of employees of the insured carried on his 
pay roll; and that such railroad has no con- 
nection with or entry upon the tracks of 
any other railroad. If conditions are not 
as above stated, then all pay roll engaged 
in the operation of the road, but not in its 
36 





























































































































































* 





CONTRACTORS’ SCHEDULE — RECOMMENDATIONS— 
Continued. 

construction or maintenance, should be 
separately kept, stated under the classifi- 
cation, and at the rates provided for rail- 
roads in the Miscellaneous Schedule. 

This entire recommendation applies only 
to the Contractors' Schedule, and not 
otherwise. 

Read General Recommendations. 

CONTRACTORS’ SCHEDULE— RATES. 

Classification. E.L. Ct.ll. P.L. 

Additions to, alteration and re- 
pair of insured’s existing 
buildings or plants (not main- 
tenance of equipment covered 
as manufacturing operation), 
excluding the erection or de- 
molition of structural steel or 
the construction of sewers, 
tunnels, shafts, or subways 
(should only be written in 
connection with Employers’ 

Liability Policies covering 
manufacturing' plants or 
General Liability Policies) . . 3.50 2.50 .50 

Advertising Sign Mfrs. — erection 
and repairing only — (to cover 
only during actual perform- 
ance of the work) 3.15 1.50 1.00 


37 



CONTRACTORS’ SCHEDULE— RATES— Continued 

Classification. E.L. Coll. 

Architects, supervising — (outside 

pay roll only) 3.15 2.50 

Arms — (heavy ordnance) erecting. 4.20 3.00 

Artesian Well Drillers 2.10 1.25 

Asphalt Layers — street or side- 
walk (including yards and 

shops) 1.40 

Autogenous Welding (oxy-acety- 

lene) 

Automatic Sprinkler Mfrs. — (away 

from shop) 2.10 1.50 

Bells, installation of (tower bells) 2.45 2.00 

Bill Posters (no erection or repair 

of signs) 1.89 1.00 .50 

Blasting — Add twenty per cent, to 
E.L., Coll., and P.L. rates to 
cover blasting hazards, except 
in those classifications where 
blasting is specifically in- 
cluded. 

Blast Furnaces — erecting and 


.75 

.50 

.50 


2.00 1.00 


5.60 4.00 3.50 


.50 

.50 


repairing and re-lining 

8.40 

2.50 

.50 

Boat Builders— constructing ca- 




nal boats, scows, and barges 




exclusively 

2.25 

2.00 

.25 


Boat Builders — iron, steel or 

wood, where staging or scaf- 
folding is used, not otherwise 
classified (including shop and 
yard work) 


2.80 3.00 .25 


38 


































. 




I i I 












Hi • ■■ I 













































































* 

t 









* * 





CONTRACTORS’ SCHEDULE— RATES.— Continued. 


Classification. E.L. Coll. P.L. 

Boat Builders — constructing or re- 
pairing small yachts, sailboats 
or rowboats exclusively, wood 
or metal, not exceeding 70 
feet over all (including shop 


and yard work) 

Boilers (steam) — installation of, 

1.40 

1.50 

.25 

and construction of necessary 
concrete or masonry founda- 
tions 

2.45 

2.00 

.50 

Boilers, taking from one place to 




another 

2.45 

2.00 

.50 


Bridge Building — Construction, 
repair, or remodelling of iron 
or steel, masonry, concrete, or 
wooden highway and interur- 
ban street railroad bridges, in- 
cluding construction of foun- 
dations, sub-structures, and 
bridges, but excluding caisson 
or subaqueous work and the 
construction, repair, and re- 
modelling of steam railroad 
bridges. This classification 
should apply only to such 
bridges as contain no spans 
exceeding 65 feet in length be- 
tween centres 7.00 3.50 1.00 

Bridge Building — masonry other 

than concrete 7.00 3.50 1.00 


39 



CONTRACTORS’ SCHEDULE — RATES. — Continued. 

Classification. E.L. Coll. P.L. 

Bridge Building — metal — (not 
highway and interurban street 
railroad bridges, with spans 
not exceeding 65 feet, for 
which see special classification 

foregoing 10.50 4.00 2.00 

Bridge Building — wood 5.60 4.00 1.50 

Building — office or mercantile, 
janitor’s work, including 
cleaning and the operation of 
the heating, lighting and 
power apparatus on the prem- 
ises 2.10 1.50 .50 

Building Movers — other than 

wooden 10.50 4.00 3.00 

Building Movers — wooden build- 
ings 7.00 3.50 3.00 

Building raising, shoring build- 
ings, removing walls and 
foundations, columns, and 
piers, and rebuilding same. . . 10.50 4.00 3.00 

Buildings, Portable — erection of. 2.10 1.50 .50 

Cabinet Work — (See Carpenters, 
interior trim). 

Cable (electric), placing of same 

in conduits or subways 1.40 2.00 .50 

Caisson Work for building foun- 
dations; pay roll should in- 
clude that of all employees 
working under air pressure 


40 



























































































































































































































CONTRACTORS’ SCHEDULE— RATES.— Continued. 


Classification. E.L. 

tural iron or steel. (See Ma- 
sonry Work, building chim- 
neys only.) 

Clay Digging — (no canal, sewer, 
or cellar excavation, or under- 


ground mining) 3.15 

Cleaning and renovating stone 

fronts of buildings 4.90 


Concrete Work: Bridge Build- 
ing — Pay roll should include 
those engaged in making, 
setting up, and taking down 
of frames, scaffolds, and false 
work, no caisson work. (Not 
highway or interurban street 
railroad bridges, with spans 
not exceeding 65 feet, for 
which see special classifica- 
tion on page 39) 7.00 

Concrete Work: Buildings (not 
grain elevators), reinforced 
concrete construction, with 
self-bearing floors, or other 
horizontal surfaces or parts, 
constructed by means of rein- 
forced concrete. Pay roll 
should include those engaged 
in making, setting up, and 
taking down of frames, scaf- 
folds, and false work 5.60 


Coll. P.L. 


2.50 .50 

2.00 1.50 


2.50 1.50 


2.50 1.5C 


42 




f 




f 










CONTRACTORS’ SCHEDULE— RATES —Continued. 


Classification. E.L. 

include those engaged in mak- 
ing, setting up, and taking 
down frames, scaffolds, and 
false work, excluding all work 
in tunnels, subways, or cais- 
sons 5.60 

Conduits, already constructed un- 
derground (placing electrical 

cable or wire therein) 1.40 

Conduits for electric wires — con- 
struction work 4.20 

Contractors building wooden or 
frame private residences, pri- 
vate stables and garages exclu- 
sively, not apartment houses, 
and not exceeding three sto- 
ries and basement, including 
jobbing work connected there- 
with. Should not be available 
for coverage in a policy which 
also covers other classes of 

building construction 2.80 

Contractors building private resi- 
dences, private stables, and 
garages exclusively, not apart- 
ment houses, and not exceed- 
ing three stories and base- 
ment, where outside walls 
above foundations are wholly 
or in part of masonry or con- 


Coll. 


2.50 1.50 

1.50 .50 

2.50 1.50 


2.00 .50 


45 




































































* 












CONTRACTORS’ SCHEDULE— RATES.— Continued. 


Classification. E.L. Coll. P.L. 

those engaged in making, set- 
ting up, and taking down 
frames, scaffolds, and false 

work 7.00 2.50 1.00 

Concrete Work: Foundations for 
buildings, piers, or abutments 
for bridges (not concrete 
bridges), retaining walls, 
water conduits (no tunneling), 
and other structures (not 
buildings, bridges or dams), 
which when completed are not 
more than 20 feet in height 
from the footing. Pay roll 
should include those engaged 
in making, setting up, and 
taking down frames, scaffolds, 
and false work, excluding all 
work in tunnels, subways, 

or caissons 4.20 2.00 1.00 

Concrete Work: Foundations for 
buildings, piers, or abutments 
for bridges (not concrete 
bridges), retaining walls, 
water conduits (no tunneling), 
and other structures (not 
buildings, bridges, or dams), 
which when completed are 
over 20 feet in height from 
the footing. Pay roll should 
44 ' 























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y 1 






$ 











* 












• Sc ■ 


. 










\ ■ ■ 1 














• ' 








- 

. 

■ . ■ a 1 




. 



































































CONTRACTORS’ SCHEDULE— RATES.— Continued. 


Classification. 


E.L. Coll. 


P.L. 


include those engaged in mak- 
ing, setting up, and taking 
down frames, scaffolds, and 
false work, excluding all work 


in tunnels, subways, or cais- 
sons 5.60 

Conduits, already constructed un- 
derground (placing electrical 

cable or wire therein) 1.40 

Conduits for electric wires — con- 
struction work 4.20 

Contractors building wooden or 
frame private residences, pri- 
vate stables and garages exclu- 
sively, not apartment houses, 
and not exceeding three sto- 


ries and basement, including 
jobbing work connected there- 
with. Should not be available 
for coverage in a policy which 
also covers other classes of 

building construction 2.80 

Contractors building private resi- 
dences, private stables, and 
garages exclusively, not apart- 
ment houses, and not exceed- 
ing three stories and base- 
ment, where outside walls 
above foundations are wholly 
or in part of masonry or con- 


2.50 1.50 

1.50 .50 

2.50 1.50 


2.00 .50 


45 


























• . 

. - f - ‘ 

. 








4 


4 . •• 








- 




♦ 






• • 





» 

















































• * 





















CONTRACTORS’ SCHEDULE— RATES —Continued. 

Classification. EX. Coll. PX. 

crete, including jobbing work 
connected therewith. Should 
not be* available for coverage 
in a policy which also covers 
other classes of building con- 
struction 3.15 2.50 .75 

Contractors, General — where all 
work is sub-contracted, or 
where contractor performs 
work involving more than 
one Manual classification : 


(a.) For watchmen and time- 


keepers only 

1.75 

1.25 

.50 

(b.) For superintendent, watch- 




men, and cleaners 

3.15 

2.50 

.75 

(c.) Officers and employees 




supervising work 

3.15 

2.50 

1.50 


N o t e. — Superintendence 
only should not be insured ex- 
cept at the highest rated Man- 
ual classification for any 
direct work involved. 


Conveyors — coal and ash, instal- 
lation of (in connection with 
power and manufacturing 


plants) 

3.85 

2.50 

1.50 

Conveyors and Hoisting Appara- 




tus — coal and ore, installation 




of (in connection with docks) 

10.50 

3.00 

1.50 

Coppersmiths (away from shop). 

4.20 

2.75 

1.00 


46 

























CONTRACTORS’ SCHEDULE— RATES.— Continued. 


Classification. EX. Coll. FX. I 

Coppersmiths — installing and 
erecting appliances, copper 
and other sheet metals, wholly 
inside buildings not in course 

of construction 2.10 1.50 .50 

Cornices and Skylights, repairing 

and erecting 4.20 2.50 1.00 

Corrugated Iron Buildings — erect- 
ting on or covering buildings 
already constructed (no struc- 
tural steel work) 4.90 3.50 1.00 

Cranes (traveling) and derricks — 

installation of 3.85 2.50 1.50 

Crib Work, not including hand- 
ling of stone 4.20 3.00 .75 

Dams — see Waterworks. 

Decorators, interior and exterior 
— hanging flags and bunting 
for conventions and celebra- 
tions 2.45 2.00 .50 

Decorators — within buildings only .70 1.00 .25 

Diamond Drilling 1.75 1.25 .50 

Ditches (open) digging — irriga- 
tion or drainage only. (No 
sewer or canal building).... 2.10 1.50 .25 

Door, window frame, or sash, 
erecting and repair — metal or 

metal covered 2.10 2.00 .50 

Dredging — by floating dredges.. 3.15 2.50 .50 

Driving of wells for salt mining. . 2.10 1.25 .50 

47 



CONTRACTORS’ SCHEDULE— RATES.— Continued. 


Classification. 

EX. 

Coll. 

PX. 

Dry Docks — construction of .... 

7.00 

3.00 

1.00 

Dry (floating) Docks — construc- 




tion of 

3.15 

3.00 

.50 

Dry Docks — operating docks and 




repairing of vessels only (no 




construction of docks) 

3.15 

3.00 

1.00 

Dumbwaiters — installation of ... 

2.10 

1.50 

.50 


Electrical apparatus, erection and 
repair work only, including 
the making of service connec- 
tions and the installation of 
equipment in power plants, 
excluding erection of poles 

and stringing of wires 2.45 2.00 .50 

Electrical equipment, installation 
and repairs within buildings, 
including the making of ser- 
vice connections and inciden- 
tal outside wiring, not on 
public highways or for public 
transmission lines and exclud- 
ing installation of dynamos 
and equipment in power 

plants 1.75 1.25 .25 

Electric light and power com- 
panies — construction of trans- 
mission lines not intended for 

local distribution 5.25 2.50 1.50 

Electric light and power com- 
panies — construction work ex- 
48 




CONTRACTORS’ SCHEDULE— RATES —Continued. 


Classification. 

clusively with erection of 

E.L. 

Coll. 

PX. 

poles 

Elevators (passenger or freight) 

5.25 

2.50 

3.00 

erecting 

Elevators (passenger or freight) 

3.85 

2.50 

1.50 

repairing only 

Elevator gates — installation of 

2.80 

2.00 

.50 

safety gates chiefly of wood. 

1.75 

1.25 

.50 

Engines (steam) — installation of. 
Excavating for bases of dams, 
retaining walls and bridge 
foundations, no caisson work 

2.45 

2.00 

.50 

or cellar excavation 

Farm Machinery — erecting, re- 
pairing, testing, and demon- 

4.90 

2.50 

.50 

strating 

Fences — wood, stone, metal, or 
concrete, not over 6 feet high, 

2.80 

2.00 

.50 

construction of 

Fire Alarms — municipal systems, 

1.75 

1.25 

.50 

construction of 

Fire Escapes — erecting and re- 

2.10 

1.25 

.50 

pairing 

Fire Inspection of mercantile and 
manufacturing plants and 

6.30 

4.00 

1.50 

similar risks 

Fireproof Construction — by 
means of wire netting and 

2.10 

1.50 

.50 

concreting 

Fireproof doors and shutters — 

4.20 

2.00 

1.00 


49 






CONTRACTORS’ SCHEDULE— RATES.— Continued. 


Classification. E.L. Coll. PX. 

erecting and repairing inside 

of buildings exclusively 3.15 4.00 .75 

Fireproof doors and shutters — 
erecting and repairing outside 

of buildings 4.20 4.00 1.00 

Fireproof tiles— construction and 

repair . .- 4.90 2.50 1.00 

Floor Surfacing by machines oper- 
ated by electricity 1.75 1.25 .50 

Fumigation of buildings 70 1.00 .25 

Furnaces (heaters for stoves) — 
putting together and setting 
up in private residences only 1.40 2.00 .25 

Galvanized Iron and Sheet Iron 
Workers — erecting and repair- 


ing 4.20 4.00 1.00 

Gas Benches and Retorts — instal- 
lation of 4.90 2.50 1.00 

Gas Machines, acetylene — installa- 
tion in country residences, 

churches, and factories 1.75 1.00 .25 

Gas, steam, and hot water appara- 
tus fitters and installation of 
ventilating plants (shop and 
outside). Should include 

shop pay roll if any 1.40 2.00 .25 

Gas Works — laying of mains 
and connections ; no tunneling. 

Employers’ Liability and Pub- 
lic Liability rates include gas 

50 
























































’ 



















• . 










































































CONTRACTORS’ SCHEDULE— RATES.— Continued. 


Classification. E.L. Coll. P.L. 

explosion, inhalation, or as- 
phyxiation 4.20 2.50 4.50 

Gas Works — laying of mains 
and connections ; no tunneling. 

Employers’ Liability rate 
includes, Public Liability rate 
excludes, gas explosion, inha- 


lation, or asphyxiation 4.20 2.50 1.50 

General Contractors. (See Con- 
tractors, General.) 

Glaziers (away from shop) 1.40 2.00 .50 

Gravity Chutes, erection of 3.85 2.50 1.50 


Hod Hoists, installation, opera- 
tion and removal of hod eleva- 
tors and construction hoists. 
E.L. $5.60, P. L. 25c* per day 
of time per hoist from the date 
the installation is started un- 
til the hod elevator or hoist is 
completely taken down. Pub- 
lic Liability should be written 
on an elevator form suitably 
amended to exclude accidents 
to employees with a provision 
that the policy shall cover 
hoists only upon notice from 
the insured that such hoists 
are to be, or are being in- 
stalled. A blanket policy 
should be issued requiring 


51 

















% 






I 






CONTRACTORS’ SCHEDULE— RATES— Continued. 

Classification. E.L. Coll. P.L. 

that all hod hoists used by 
the insured be covered dur- 
ing the time that the policy 
is in force ; the insured to no- 
tify the company every seven 
days of installations and 
removals. Any hoist should 
be cancelled from the policy 
upon notice from the con- 
tractor of its removal, and 
pro rata return premium, if 
any, should be allowed on the 
unexpired period on that 
hoist. 


Hot House Erection — away from 


shop 

House Furnishings (not otherwise 

1.75 

1.50 

.25 

classified) — installation of . . . 
Iron and Steel Lock Gates — con- 
struction on ground and plac- 

.70 

1.25 

.25 

ing in position 

Iron Work — erecting steel and 
iron frame structures (no 

5.60 

2.50 

1.00 

bridge building) 

Iron Work — erecting balconies, 
fire escapes, railings, stair- 
cases, coal chutes, iron shut- 

10.50 

4.00 

3.00 

ters (outside of buildings) . . . 

6.30 

4.00 

1.50 


Iron Work — placing iron or steel 
store fronts as alterations of 


52 
















*•' 


% 





































*1 


. 

. 

















. 

. 



•* 


















CONTRACTORS’ SCHEDULE— RATES— Continued. 


Classification. 

E.L. 

Coll. 

p.i,. 

existing buildings (no new 
construction) 

8.40 

2.50 

2.00 

Iron, Ornamental — (see Ornamen- 




tal brass, bronze, and iron 
works within buildings — erect- 

ing) • 




Jetty and Breakwater building. . . 
Jobbing Work on Buildings, 

4.90 

3.00 

.50 

other than private residences, 
excluding iron and steel frame 
erection and the demolition of 
buildings 

3.85 

2.50 

.75 

Ladders — installation of, in build- 




ings, together with rollers and 
tracks for same 

1.75 

1.25 

.25 

Lamplighters 

1.40 

1.50 

.25 

Landscape Garden Work 

2.10 

2.00 

.25 

Lathers 

Leather Belting Mfrs. — away 

1.40 

2.50 

.25 

from shop, putting up and re- 
pairing leather belting 

2.10 

2.00 

.50 

Lightning Rods, erecting 

Light Prisms — erecting and re- 

4.70 

3.50 

.50 

pairing (except in pavements 
and grade floors) 

6.30 

4.00 

1.50 

Light Prisms — in pavements and 




grade floors, erecting and re- 
pairing 

2.80 

2.00 

1.00 


Locksmiths, repairing, fitting, and 
installing lpcks in completed 


53 












































► 



































CONTRACTORS’ SCHEDULE— RATES.— Continued. 


Classification. EX. Coll. 

buildings (including shop and 

outside work) 1.00 1.00 

Mail Chutes in office buildings — 

installation of 1.75 1.50 

Mantel Setters and Repairers.... 1.40 2.00 

Marble and Stone Setters — inside 

construction 1.40 2.50 

Marble and Stone Setters — away 

from shop 4.90 2.50 

Marble and Stone Work — decora- 
tion in place only 2.80 2.00 


Marble or Granite Contractors — 
setting granite not higher than 
the first story of building, not 
exceeding 20 feet from the 
street level. (If height exceeds 
20 feet, full pay roll should 
take rate of marble and stone- 
setters away from shop. This 
classification should be used 

for work specified only) 3.85 2.50 

Marine Railway — construction of 3.15 3.00 
Marine Railway — operation, in- 
cluding repair of vessels while 


thereon, but excluding con- 
struction of railway 2.10 3.00 

Masonry Bridges — other than 

concrete 7.00 3.50 


Masonry Work — building chim- 
neys only (no structural iron 


54 





CONTRACTORS’ SCHEDULE — RATES. — Continued. 

Classification. EX. Coll. PX. 

or steel) 10.50 2.50 1.50 

Masonry Work — (not otherwise 

classified) 4.90 2.50 1.00 

Mausoleums, Monuments, and 
Mortuary Work, erecting 

only 4.90 2.50 .50 

Merry-go-rounds, Swings, and 
other similar circular, mov- 
able amusement devices, dis- 
mantling, removing, erecting, 

and repairing 4.20 2.00 1.00 

Metal Ceiling Work — installation 

away from shop 2.10 2.50 .50 

Metallic Lathing 1.40 2.50 .50 

Millwrights — erecting and re- 
pairing machinery 2.45 2.50 .50 

Mosaic Work — floors only within 

buildings 1.05 1.00 .25 

Mural Decorations and setting 
stained glass windows in 
churches and public buildings 1.75 1.50 .25 

Office Furniture and Fixtures — 

metal, erection of 1.40 1.00 .25 

Oil Producing — including the 
driving of wells and putting 
raw product in vessels or pipe 

lines for transportation 2.10 2.50 .50 

Ornamental brass, bronze, and 
iron work within buildings — 
erecting 2.80 2.50 1.00 


55 




CONTRACTORS’ SCHEDULE— RATES.— Continued. 

Classification. EX. Coll. PX. 

Owners engaged in construction 
work, or for whom construc- 
tion work is being done. (See 
Contractors, General.) 

Oxy-acetylene welding (auto- 


genous welding) 5.60 4.00 3.50 

Painting and decorating away 

from shop 2.10 2.00 .50 

Painting and decorating, interior 
work exclusively, away from 

shop . 1.40 2.00 .25 

Paper hangers 1.40 2.00 .25 

Parquet Floor Laying 1.05 1.00 .25 

Paviors (not otherwise classified) 

including shops and yards... 1.40 2.00 1.00 

Pile Drivers — including timber 

wharf building thereon, if any 5.60 3.00 .75 

Pile Driving for building founda- 
tions 5.60 3.00 1.50 

Plaster Board — erecting away 

from shop 1.40 2.00 .25 

Plaster Block (not fireproof tile) ; 

Partitions, erection of, inside 

of buildings 1.25 1.58 .25 

Plasterers 1.40 2.00 .25 

Plumbers (including house con- 
nections). Should include 

shop pay roll if any 1.40 1.50 .25 

Pneumatic Tubes — installation 
of, including construction of 
56 



CONTRACTORS’ SCHEDULE— RATES —Continued. 


Classification. 

E.L. 

Coll. 

P.L. 

conduits and manholes, and 




care and maintenance of same 

4.20 

2.50 

1.50 

Portable Bakers’ Ovens, installa- 




tion of, including putting up 




and taking down 

1.75 

1.50 

.50 

Portable Buildings^-erection of. . 

2.10 

1.50 

.50 

Pump Mfrs. — (away from shop) . 

2.45 

2.00 

.50 


Railroad Construction — steam — 
no blasting, tunneling, or 
bridge building, including in- 
cidental culverts not more 

than 10-foot span 4.20 2.50 §.50 

Railroad Construction — steam — 
no blasting, tunneling, or 
bridge building, including in- 
cidental culverts not more 
than 10-foot span. Should 
not be available for divided 
pay roll nor unless insured 
warrants that entire work 
will be conducted without 

employing steam shovel 3.65 2.50 §.50 

Railroad Construction — electric, 
horse, or cable — or installa- 
tion of electric equipment or 
pole lines connected therewith, 
including incidental culverts 
not more than 10-foot span; 

§Note. — If Public Liability Policies are to cover accidents to 
persons riding upon trains or cars other than work trains, the 
foregoing Public rates should be increased $1.00. 

57 



CONTRACTORS’ SCHEDULE— RATES —Continued. 


Classification. 


E.L. Coll. P.L. 


interurban lines exclusively — 
no blasting, tunneling, or 

bridge building 3.65 

Railroad Construction — electric, 
horse, or cable — or installa- 
tion of electric equipment or 
pole lines connected therewith, 
including incidental culverts 
not more than 10-foot span ; 
urban lines entirely within the 
corporate limits of any one 
city or town — no blasting, 
tunneling, or bridge building 3.00 
Railroad Construction — electric, 
horse, or cable — installation of 
electric equipment or pole 
lines connected therewith, in- 
cluding incidental culverts not 
more than 10-foot span ; urban, 
or interurban lines. No blast- 
ing, tunneling, or bridge 

building 3.65 

Railroad Construction — electric, 
horse, or cable — (not includ- 
ing third rail systems). Relay- 
ing of rails exclusively. 
Should not be available for 
divided pay rolls 3.00 


2.50 §1.00 


2.50 §2.00 


2.50 §3.00 


2.50 1.00 


§If Public]Liability Policies are to cover accidents to persons riding 
upon trains or cars other than work trains, the foregoing Public rates 
should be increased $1.00. 


58 



CONTRACTORS’ SCHEDULE— RATES.— Continued. 

Classification. EX. Coll. PX. 

Railroad Construction — electric, 

— rail joint welding in street 
by molten metal or electricity 5.60 4.00 3.00 
Railroad Construction — grade 


crossing work, involving all 
work incidental thereto (ex- 
cluding iron and steel erection 
work or the laying of new 

sewers) 3.65 2.50 2.00 

Railroad Signal erection or instal- 
lation (not including operation 

of railroad) 2.80 2.00 .50 

Refrigerating Company, excava- 
tion and laying and repair of 

pipe lines 4.20 2.50 1.50 

Refrigerating Machinery — instal- 
lation of 2.45 2.00 .50 

Riggers — ship or boat 2.10 3.00 .50 

Riggers — not ship or boat 5.60 2.50 2.00 

Road or Street Making (no 
quarrying), including inciden- 
tal culverts not more than 10- 
foot span 2.10 2.50 1.00 


Roofers, using exclusively felt, 
paper, pitch, or any bitu- 
minous material, with or with- 
out a finished surface of 
gravel, slag, or flat tile (not 

overlapping) 2.80 2.00 1.00 

Roofers, not otherwise classified. 4.20 2.75 1.00 


59 




\ 






CONTRACTORS’ SCHEDULE— RATES.— Continued. 


Classification. EX. Coll. 

Safe Movers 5.60 2.50 

Salt Mining — including driving 

wells 2.10 1.25 

Salvage Operations — in build- 
ings previously damaged by 
fire, all operations incidental 
thereto, including handling, 
storing, and distributing goods 10.50 4.00 
Sand and Gravel Diggers — no 
canal, sewer, or cellar excava- 
tion, or grading 3.15 2.50 

Sand Excavation by means of suc- 
tion dredges, including load- 
ing and unloading at docks, 


wharves, and elsewhere 3.15 2.00 

Scrap Iron and Junk Dealers — 

away from shop 12.60 4.00 

Sewer Building — no limit of 

depth (with or without blast- 
ing) 10.50 3.00 

Sewer building, maximum depth 
of excavation 7 feet at any 
point (with or without blast- 
ing) 5.60 2.50 

Public Liability rate for 
sewer building not on Public 
Highways except at crossings 
—$1.00. 


Sewer Cleaning — done by insert- 
ing a cylinder at one man- 

60 


PX. 

2.00 

.50 

.50 

.50 

.50 

3.00 

3.00 

3.00 





CONTRACTORS’ SCHEDULE— RATES— Continued. 


Classification. EX. Coll. PX. 

hole and connecting it with 
rods from the next manhole, 
and drawing it through the 
sewer — taking out the sedi- 
ment in buckets 3.50 2.50 . .50 

Sewerage Disposal Plants — con- 
struction of, for p ri v a t e 
houses, institutions, or hotels, 
and not connected with pub- 
lic sewers (with or without 

blasting) 4.20 2.00 .50 

Sewerage Disposal Plants, pub- 
lic — no sewer construction 
(with or without blasting) . . 4.20 2.00 .50 

Shaft Sinking 10.50 3.50 .50 

Ship and Boat Builders — steel or 
wood, where staging or scaf- 
folding is used (including 

shop or yard work) 2.80 3.00 .25 

Shipwrights — repairing vessels, 
or the machinery therein, 
while afloat or upon a dry 

dock 2.45 3.00 .50 

Showcases, outside — erection and 

installation of 1.75 1.50 .50 

Shutter erecting and repair, metal 

or metal covered 7.00 3.50 2.00 

Sign (advertising) Mfrs. — erect- 
ing and repairing. (Should 
cover only during actual per- 
61 



CONTRACTORS’ SCHEDULE— RATES.— Continued. 


Classification. EX. Coll. PX. 

formance of the work) 3.15 1.50 1.00 

Sign Painting or Lettering, in 

buildings or structures 1.40 2.00 .25 

Silo Building — (tanks of wood 
with concrete base for storage 
of fodder — not over twenty 

feet high) 2.10 2.00 .50 

Silo Building — (tanks of wood 
with concrete base for stor- 
age of fodder — over twenty 

feet high) 3.15 2.50 75 

Slaters — away from shop 4.20 275 1.00 

Smokestack and Chimneys 

(metal) — erecting 10.50 4.00 3.00 

Snow and Ice — removing 2.10 2.50 1.00 

Soap Dispensers — installation and 

inspection 75 1.00 .25 

Soda Water Fountains — installa- 
tion and repair 1.40 2.00 .25 

Staff Workers — erecting build- 
ings or structures 4.90 2.50 1.50 

Stairbuilding (wooden) 2.80 1.50 .50 

Statuary, in connection with mau- 
soleums, monuments, or mor- 
tuary work, erection only... 3.85 2.00 .50 

Steam Heating — laying of mains 

and connections 4.20 2.50 1.50 

Steam Pipes or Boilers — applying 
cork, asbestos, and other non- 
conducting materials to same. 1.40 2.00 .25 


62 







CONTRACTORS’ SCHEDULE— RATES.— Continued. 


Classification. 

EX. 

Coll. 

PX. 

Street Cleaners 

Street or Road Making — (no 
quarrying) including inciden- 
tal culverts not more than 10- 

2.10 

1.50 

LOO 

foot span 

Subways — for passenger and 
freight traffic — open cut or 
cut and cover (with or with- 

2.10 

2.50 

1.00 

out blasting) 

Subways — for passenger and 
freight traffic — tunneling 
only (with or without blast- 

10.50 

3.00 

3.00 

ing) 

Tank or Gas Holders (Metal) — 

10.50 

3.50 

.50 

erecting 

Tank (metal) Erecting, within 

10.50 

4.00 

3.00 

buildings exclusively 

4.90 

2.50 

.75 

Tank (wood) Builders — erecting. 
Telegraph or Telephone — con- 

4.90 

2.50 

1.00 

struction exclusively 

4.20 

2.50 

2.00 

Telescopes — erecting 

175 

1.25 

.50 


Theatre Stage Rigging — setting 
up ornamental, architectural 
and theatre iron work and all 
mechanical effects over stages 
of theatres, including hanging 
of signs, setting stairways, 
iron beams, and lintels, all in- 
cluded in the operation of 
stage rigging 3.85 


2.50 1.00 


63 




CONTRACTORS’ SCHEDULE— RATES— Continued. 


Classification. 

E.L. 

Coll. 

PX 

Tile Work — for decorative floors, 




wainscoting, and interior dec- 
oration 

1.40 

1.25 

.25 

Tinsmiths — away from shop .... 
Trees — pruning, spraying, repair- 
ing, trimming, and fumigating, 
outside limits of towns and 

4.20 

4.00 

1.001 

cities 

2.45 

1.75 

.25 

Trees — pruning, spraying, repair- 
ing, trimming, and fumigating, 
in towns and cities 

2.45 

1.75 

.50 


Tuck Pointing, not available for 
division of pay roll. This 
classification to apply to con- 
tractors doing this work exclu- 
sively 2.10 2.50 .50 

Tunneling (including all work to 
completion) with or without 

blasting 10.50 4.00 .50 

Tunnel Lining only, masonry or 
concrete (for previously driven 
tunnels otherwise completed 
by other contractors.) (This 
classification should not be 
available if lining is done by 
contractors constructing tun- 


nel) 4.20 2.00 .50 

Upholsterers — away from shop. . .70 1.00 .25 


Vacuum Cleaning — by means of 
portable air suction cleaning 

64 








































































































































. 

















CONTRACTORS’ SCHEDULE— RATES.— Continued. 


Classification. E.L,. Coll. P.L. 

machines — rate should be 
charged on all wages includ- 
ing drivers 2.10 1.50 1.00 

Vacuum Cleaning Systems, instal- 
lation of 1.40 2.00 .25 

Vaults — fire and burglar proof 

construction and installation. 3.15 3.00 1.00 

Vaults — prison vaults and cells. . . 6.30 4.00 1.50 
Watchmen and Timekeepers only 
— General Contractors or 

Owners 1.75 1.25 .50 

Waterproofing cellars and founda- 
tions 1.75 2.00 .50 

Waterproofing in or on structures 
(not bridges), by means of 
felt, paper, burlap, or pitch 
(no roofing and no subaqueous 

work) 1.75 2.00 .75 

Waterworks — erection of stand 

pipes and water towers 10.50 4.00 1.50 

Waterworks — construction of 
pumping station, dams and 

reservoirs 4.20 4.00 .50 

Waterworks — laying of mains 

and connections 4.20 2.50 1.50 

Weather Strips, in window and 

doors, installation of 1.05 1.50 .25 

Windmill Erecting . 4.20 4.00 .50 

Window Cleaning 2.80 2.00 1.00 

Window Cleaning Devices, instal- 

65 




CONTRACTORS* SCHEDULE — RATES. — Continued. 

Classification. EX. Coll. PX. 

lation of, outside buildings. . . 4.20 2.00 1.00 

Window frames, metal — setting 

in buildings 1.75 1.25 .25 

Window Opening Devices — instal- 
lation of 1.75 1.25 .50 

Wire Work, interior, erection 
only, excluding ornamental 
brass, bronze, or iron work. 1.40 2.00 .25 

Wreckers — marine (including sal- 
vage operations) 2.80 2.00 .50 

Wreckers — not marine 12.60 4.00 3.00 


66 



ELECTRIC SCHEDULE— RECOMMENDATIONS. 

Minimum Premium. — For E.L. only, $50.00. 

For E.L. and P. L. combined, $150.00. 
Limit Table. — For Telegraph and Telephone 
companies, Rate “ C.” All other classifica- 
tions, Rate “ B.” 

Read General Recommendations. 


ELECTRIC SCHEDULE— RATES. 

Classification. EX. Coll. PX. 

Electric light and power com- 
panies — operation, mainten- 
ance, extension of lines, and 
making of service connec- 
tions 5.25 3.00 6.50 

Electric Light and Power Com- 
panies — operation, mainten- 
ance, extension of lines and 
making of service connec- 
tions, operating no power 
plant — power purchased from 
others. Add 50% to E.L., 

Coll., and P.L. manual rates. 

Electric light and power com- 
panies — transmission lines not 


for local distribution 

5.25 

3.00 

3.25 

Electric light and power com- 




panies — office employees not 
exposed to operating hazard. 

.21 

1.00 

.05 


67 




























































ELECTRIC SCHEDULE— RATES.-Continued. 

Classification. E.li. Coll. P.L. 

Telegraph and telephone com- 
panies — operation, mainten- 

ance, extension of lines, and 
making of service connections 4.20 2.50 3.00 
Telegraph and telephone com- 
panies — office and exchange 

employees only 21 1.00 .05 

If manufacturing or mercantile 
plants insured at the manu- 
facturing or mercantile rates 
applicable thereto are engaged 
in the generating and supply- 
ing of electricity to other 
plants or buildings, the manu- 
facturing or mercantile rate 
applicable to the plant or loca- 
tion covered should be ap- 
plied to all pay roll in that 
plant, including the pay roll 
engaged in the generation and 
distribution of the electric 
current, and in addition there- 
to there should be charged 
as an extra rate upon that 
portion of the pay roll actu- 
ally engaged in the generation* 
and distribution of the electric 
current, including the main- 
tenance of the equipment, a 
rate equal to 50% of the E. L. 


68 




ELECTRIC SCHEDULE-RATES.- Continued. 


Classification. E.li. Coll. 

and P. E. rates stated in the 
Electric Schedule under the 
classification “Electric Eight 
and Power Companies.” This 
recommendation should not 
apply to public service nor 
public utilities plants, nor to 
any plant having for its sole or 
principal purpose the genera- 
tion and distribution of elec- 
tric current. 

Note. — Any construction work in 
connection with any risk in- 
sured under the Electric 
Schedule should be included at 
the rates for operation, main- 
tenance and extension of lines. 


rx. 


69 







ELEVATOR SCHEDULE— RECOMMENDATIONS. 

An “Elevator” in the sense of this Manual 
is any platform hoist, operated by muscular 
or mechanical power, and intended or used 
for the conveyance of persons or goods, or 
both. This definition is not intended to in- 
clude dumb-waiters. 

The following definitions of terms used in 
the classifications are intended for guidance in 
the application of the schedule, and should be 
strictly observed. 

A “Sidewalk Elevator” is an elevator main- 
tained and operated outside the walls of the 
building, and the platform of which does not 
rise above the ground or sidewalk level. 

A “One-story Elevator” is an elevator 
maintained and operated within the walls 
of the building, having a total rise of not 
more than twenty feet, and having not more 
than two landings above the bottom of the 
shaft. 

If an elevator having landings in cellar and 
at ground floor but no landings above ground 
floor also has a landing in a sub-cellar, the 
total rise of the elevator from sub-cellar to 
ground floor being not more than twenty feet, 
such elevator should be classed and rated as 
a “One Story Elevator.” 

A “Private House Elevator” is an elevator 
maintained and used in a building occupied 
by one family only and exclusively as a 
dwelling. 


70 






























































# 










































































ELEVATOR SCHEDULE — RECOMMENDATIONS— 
Continued. 

A “Factory Elevator” is an elevator main- 
tained and used in and for the purpose of 
manufacturing plants exclusively. 

The following designs of elevators should 
be classed and rated as Factory Elevators 
wherever found. 

“Jumper Elevators,” being counter-weight- 
ed platform (without power) serving but two 
floors. 

“Man-Hoists,” being of similar design but 
serving more than two floors. 

The Smith Safety Man-Eift is a sample of 
this type. 

Man elevating devices (power operated) by 
means of continuous belt or chain provided 
with stirrups or small platforms. The 
“Humphrey Belt Elevator” is of this type. 

A “Hand Hoist” is a lifting appliance oper- 
ated through hatch-ways and without a plat- 
form, operation being by means of hand 
power, with rope or chain. Hand hoists open- 
ing upon the sidewalk should take the side- 
walk elevator rate. 

A “Storage Warehouse Elevator” is an ele- 
vator maintained and used in buildings where 
merchandise is stored, excepting, however, 
elevators in furniture storage warehouses or 
any buildings occupied wholly or in part for. 
wholesale or retail sales purposes. 

71 






ELEVATOR SCHEDULE — -RECOMMENDATIONS— 
Continued. 

“Lowerators,” being a trade name for an 
elevator designed to avoid premium charge, 
should be rated and classed as elevators under 
the existing classifications dependent upon 
location and use. 

Elevators with platforms on the outside of 
buildings whether operated by mechanical or 
hand power should be classed and rated in 
accordance with existing elevator schedule 
dependent upon location and use. 

Elevating devices in connection with Blast 
Furnaces or Ice Harvesting Plants should not 
be classed or rated as an elevator — no charge 
being made therefor. 

The recommendation in the schedule for an 
additional charge for landings in excess of ten 
should be strictly observed, and the following 
recommendation will apply : In computing the 
number of landings, each floor from and includ- 
ing that at which the elevator starts, and to 
the top of the shaft should be counted as a 
landing, whether serving as a landing or not. 
An express elevator which passes a number of 
floors without stop should be charged the same 
premium as it would be if it stopped at all 
landings. An elevator of any character pass- 
ing floors in its trips, where no landings are 
provided, should pay the same rate as the same 
elevator would pay if there were landings at 
each floor. 


72 














































































































ELEVATOR SCHEDULE— RECOMMENDATION S— 
Continued. 

Coverage. — It is recommended that elevators 
be covered under General Liability Policies 
or under separate Elevator Policies, includ- 
ing one or more elevators, but no eleva- 
tors should be covered for any lower rates 
than those provided by the schedule, 
except under the recommendation for long 
term policies. 

Factory Elevators. — These elevators, as de- 
fined and described on the preceding page, 
should be covered only in accordance with 
the rates given in the rate schedule which 
follows. When the charges therein rec- 
ommended are not secured, then an en- 
dorsement should be attached to the 
Employers’ Liability Policy eliminating 
accidents to employees in connection with 
elevators. 

Long Term Policies. — It is recommended that 
on policies written to cover elevators 
either under the General Liability form 
or the Elevator form, but not otherwise, 
for a term of three years, a discount of 
10% should be allowed upon the rates 
given in the schedule provided that the 
entire three-year premium is paid in ad- 
vance, or that 50% of such entire three- 
year premium shall be paid in advance, 
30% thereof at the end of the first year 

73 



ELEVATOR SCHE DTJLE— RECOMMENDATIONS— 
Continued. 

and 20% thereof at the end of the second 
year. Private residence elevators written 
in connection with private residence pol- 
icies may be written for a term of three 
years for 2 J4 times the annual premium, 
if the entire premium is paid in advance. 

Additional Interests. — Elevators insured 
under any form of policy should not be 
written to cover more than one inter- 
est, except with an additional premium 
charge of 50% of the premium stated in 
the schedule for one additional interest, 
65% for two. additional interests and 
75% for three or more additional inter- 
ests. Such interests may be those of an 
individual, estate, firm, or corporation, 
but co-owners should be covered under 
one policy without additional charge. Pol- 
icies issued to cover the estate of a de- 
ceased person, where an executor or ad- 
ministrator is named, although so ex- 
pressed as to cover the individual interest 
of such executor or administrator should 
create but one insurable interest. Where 
an elevator is insured at the full rate given 
in the schedule, other policies on the same 
elevator and for the same limits, but not 
otherwise, should be issued to other per- 
sons in interest for a premium of 50% of 
the rates given in the schedule, always pro- 
74 



ELEVATOR SCHEDULE— RECOMMENDATIONS— 
Continued. 

vided that the given insuring company has 
previously or concurrently issued a policy 
upon the same elevator at the full Manual 
rate. Any such additional policy written 
under this recommendation should be 
made to expire at the same time with the 
principal policy, the premium being ad- 
justed pro rata for short terms. If the 
principal policy provides for greater than 
standard limits, the second policy should, 
nevertheless, be written for standard lim- 
its, or should be written for the same 
increased limits as the principal policy, 
upon the same additional pro rata premium 
charge, but the second policy should not be 
written for limits greater than the princi- 
pal policy. A tenant of a part of a build- 
ing who has no control of the elevator 
whatever, and who does not operate such 
elevator, may be covered for 50% of 
the rate named in the schedule which is 
applicable to such elevator. 

Limit Table. — For all classifications whether 
written upon Elevator forms or upon 
General Liability forms, Rate “A.” 

Note . — Elevators should not be written 
for limits of less than $5,000 and $10,000. 

Minimum Premium. — No recommendation in 
this Manual respecting Minimum Pre- 
75 



















































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■ 




















. 












ELEVATOR SCHEDULE — RECOMMENDATIONS— 
Continued 

mium includes the elevator premium, 
which premium should always be in addi- 
tion thereto. The minimum premium for 
elevators should be the annual premium 
for the limits. 

Landlords' Contingent or Protective Lia- 
bility. — If the owner or lessee of a build- 
ing or buildings containing one or more 
elevators, has leased the same entire to 
another, and the tenant controls the ele- 
vators, operates them exclusively, fur- 
nishes power, and has entire charge of 
the elevators, the Elevator Policy may 
be written to cover the owner or lessee 
not in possession at 50% of the elevator 
rate applicable thereto, as provided in this 
Manual, but an endorsement should be 
attached to such policy stating the exist- 
ence of this condition, and that it shall 
continue during the term of the policy. 

General. — It is recommended that the factory 
or storage warehouse elevator rates be 
available for writing business only when 
Employers' and Public Liability Policies 
are written concurrently, all policies to 
expire simultaneously, and when the 
building in which the elevator is contained 
is owned or occupied by one interest (indi- 
vidual, estate, firm, or corporation) for 
76 




ELE VATOR SCHEDULE— RECOMMEN DATIONS— 
Continued. 

manufacturing or storage purposes exclu- 
sively. It is recommended that if any 
portion of the building be occupied by any * 
one other than the insured, whether using 
the elevator or not, these rates be not 
available. 

Insurance against property damage 
caused by elevators should not be written. 


77 




































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’ k 










































































ELEVATOR SCHEDULE — RATES. 


Classification. 

Automobile Salesroom or Garage El- 
evators — operated by hand or 
mechanically, used for raising 

and lowering automobiles $50.00 

Passenger, Freight or Combination: 

Department Stores 60.00 

Hotels — including Apartment 
Hotels and Hotel Apartments — 
where elevator has not more than 

ten landings 40.00 

For each additional landing over 

ten, charge 1.50 

Passenger, Freight, or Combination 
Elevators not otherwise classified 
— where elevator has not more 

than ten landings 35.00 

For each additional landing over 

ten, charge 1.00 

Sidewalk Elevators 25.00 

One-story Elevators 18.00 

Private House Elevators 20.00 

Factory Elevators — when endorsed 
upon Manufacturers’ Policies based 
upon pay roll: 

E. L. only 12.50 

E. L. and Public 20.00 

Factory Elevators — when a Manu- 
facturers’ Employers’ Liability pol- 
icy is not carried concurrently: 

E. L. only 25.00 

E. L. Public 35.00 

Hand Hoists, within buildings 12.50 

78 




ELEVATOR SCHEDULE— RATES.— Continued. 

Classification. 

Power Hoist, no platform, same as 
hand hoist. . 

Storage Warehouse Elevators — in 

buildings not occupied for Fur- 
niture Storage, wholesale or 


retail purposes 25.00 

Moving Inclined Way or Staircase for 

passengers or baggage 250 . 00 

Freight Escalators and Freight Con- 
veyors, with or without power, 
entirely within buildings (exclud- 
ing baggage conveyors): 

One Story 12.50 

Exceeding One Story 25.00 


When any Employers’ Liability Policy or 
General Liability Policy is to be issued without 
Public Liability coverage on elevators included 
in or concurrent therewith, there should be 
made a further charge of $12 . 50 for each ele- 
vator to cover the Employers’ Liability risk 
thereon. When such further charge is not 
secured, then an endorsement should be at- 
tached to the Policy eliminating accidents to 
employees in connection with elevators. 

The rate of $12 . 50 per elevator herein pro- 
vided, and also as applicable to Factory Ele- 
vators, should not be reduced by reason of 
policy limits below $5,000/10,000 on Employers’ 
Liability Policies, but should be subject to the 
increased percentages for higher limits as 
provided for the elevator schedule. 


79 
















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. i < 

. 




. 













* - 





































GENERAL LIABILITY SCHEDULE- 
RECOMMENDATIONS. 

General Liability forms and rates should be 
used to write risks enumerated in this schedule, 
but not otherwise. 

For pay roll rates, see Warehouse and Store 
Schedule. 

For elevator rates, see Elevator Schedule. 

The rates in the General Liability Schedule, 
except as otherwise definitely expressed, are 
based upon each lineal foot of frontage and each 
100 square feet of area, and these rates are in 
lieu of any other charge for the public liability 
hazard involved, except as respects elevators. 

Representatives of companies should not 
write risks upon General Liability forms except 
at premium rates given in this Manual for pay 
roll, frontage and area, unless the General 
Liability Schedule or these recommendations 
provide other means. 

Elevators should be covered at Manual rates, 
or specifically excluded from the policy. 

Pay Roll. — General Liability policies should 
be written to cover clerical office employees 
as a separate classification, it being under- 
stood that such classification shall include 
only those whose duties are confined to 
keeping the books of the insured, con- 
ducting correspondence, or engaged wholly 
in the office where such books are kept or 
correspondence conducted, and who have 
no duties of any other nature in or about 


80 




GENERAL, LIABILITY SCHEDULE— 
RECOMMENDATIONS-Continued. 

the insured premises. The pay roll rate for 
such classification should be 5 cents for 
each $100.00. Office buildings, public 
libraries, public museums, or public picture 
galleries should be written for the frontage, 
area, and elevator rates, provided in this 
Manual, and a pay roll charge upon those 
engaged in the care, custody, and main- 
tenance of the building and premises only. 
In schools and colleges the pay roll of pro- 
fessors and teachers should be similarly 
written as a separate classification at a 
rate of 5 cents per $100.00, except in vet- 
erinary colleges where the rate should 
be 60 cents per $100.00. 

Frontage. — Rear buildings having frontage 
only on alley or court should be written for 
same frontage rate as if upon street. When 
an insured not otherwise paying frontage 
charge on same building occupies a base- 
ment, store, or shop, it is recommended 
that a charge for frontage be made only 
on the portion of the entire frontage 
of the building which he occupies. The 
frontage charge should apply to all street 
frontages, excluding the rear or sides of 
any building or portion thereof which 
abuts upon an alley not more than 15 
feet wide, from building line to building 
line. When the insured, not the owner or 


81 









































B m 


, 

* 


























































GENERAL LIABILITY SCHEDULE— 
RECOMMENDATIONS— Continued. 

general lessee, occupies premises which are 
entirely above the first floor, no charge 
should be made for frontage. When writing 
sanitoriums, hospitals, schools, colleges, 
public libraries, public museums, or public 
picture galleries, if the buildings abut upon 
the street, the charge should be made upon 
the entire frontage of the premises, but if 
they stand back from the street line, the 
frontage charge should be made upon the 
number of lineal feet in the front of each 
building in which there is an entrance from 
the street, except cottages. 

Area. — The area upon which a charge per 
100 square feet is made should be the out- 
side measurement of the building, multiplied 
by the number of stories. No deduction 
should be made for light, air, or elevator 
shafts, nor for courts, if entirely enclosed 
within the walls of the building. Any 
basement to which the public is admitted 
for general trade or business purposes 
should be counted as a story. Cottages on 
the same grounds as hospitals, sanitoriums, 
asylums, schools, and colleges should be 
rated as private dwellings in lieu of area, 
frontage and pay roll charges. 

Minimum Premium.— For private dwellings 
and all risks classified as such, $4.00 per 
annum for each dwelling, or $10.00 for 

82 




































































































































. 





































































GENERAL LIABILITY SCHEDULE— 
RECOMMENDATIONS— Continued.. 

three years. For all other lines, $10.00 per 
annum for each policy. This recommen- 
dation, however, is subject to the excep- 
tions specifically noted in this schedule. 
If the basis premium is increased for 
additional limits, the minimum premium 
should be increased in the same proportion. 
For long term business the minimum should 
be decreased in the same proportion as 
the rate is decreased under these rules. 

Long Term Policies. — It is recommended that 
on policies written upon risks in this 
schedule for a term of three years, 
there should be allowed a discount of 
10% upon the pay roll, frontage, area, 
and elevator rates, provided that the 
entire three-year premium is paid in 
advance, or that 50% of such entire 
three-year premium shall be paid in ad- 
vance, 30% thereof at the end of the first 
year and 20% thereof at the end of the 
second year. Policies upon private resi- 
dences are not included in this recom- 
mendation. 

Additional Interests. — A general Liability 
Policy should not be written to cover more 
than one interest, except with an addi- 
tional premium charge of 50% on all 
elements of the risk for one additional 
interest, 65% for two additional interests 


83 









































. 





























GENERAL LIABILITY SCHEDULE— 
RECOMMENDATIONS— Continued. 

and 75% for three or more additional 
interests. Such interests may be those 
of an individual, estate, firm, or corpora- 
tion, but co-owners should be covered under 
one policy without additional charge. 
Policies issued . to cover the estate of a 
deceased person, where an executor or 
administrator is named, although so ex- 
pressed as to cover the individual interest 
of such executor or administrator, should 
create but one insurable interest. 

Limit 5 Table. — For Amusement Parks, Bill- 
iard and Bowling Halls, Halls for Lodge 
Meetings, Banquets and Balls, Theatres, 
Horse Shows, Ball Parks, Exposition or 
Exhibition, indoors and outdoors, Moving 
Pictures, etc., Rate “ A.” 

Advertising Signs, all classes, Apart- 
ment Hotels and Hotel Apartments, Asy- 
lums, Baths, Hospitals, Hotels, Restau- 
rants, Riding Academies, Turkish Baths, 
Wine and Spirit Merchants — Retail, Dry 
Goods Stores — Retail, Department Stores, 
Rate “ B.” 

A11 other Wholesale and Retail Store Risks, 
Rate “ C ” 

All other classifications, Rate “ D.” 

The foregoing references to Limit Table 
apply only to rates named in General Liability 
Schedule. For Limit Table applicable to Pay 
84 



GENERAL LIABILITY SCHEDULE— 
RECOMMENDATIONS— Continued. 

Roll or Elevators see recommendations which 
precede the schedule in which the rate is found. 

Note . — General Liability insurance 
should not be written for limits of less than 
$5,000 and $10,000. Private Residences, 
and risks classified as such, may be written 
for limits of $10,000 and $20,000 by in- 
creasing the Manual rate 25%. 

Landlords’ Contingent or Protective Lia- 
bility. — If the owner or lessee of a build- 
ing or buildings has leased the same entire 
to another, and the tenant controls the ele- 
vators, operates the same exclusively, 
furnishes power, and has the entire charge 
of the premises, a General Liability 
Policy should be written to cover the 
owner or lessee not in possession at 
50% of the several rates chargeable for 
the elements of hazard in such risk, as 
provided in this Manual with a Minimum 
Annual Premium of $5.00, but an endorse- 
ment should be attached to such a policy 
stating the existence of this condition, and 
that it shall continue during the term of 
the policy; also that the insured has no 
employees on or about the premises, ex- 
cept those who may from time to time be 
engaged in making incidental repairs, not 
involving structural changes of any char- 
acter. Agents of owners having care, 
85 




GENERAL LIABILITY SCHEDULE — 
RECOMMEND ATIONS-Continued. 

custody, control, and operation of build- 
ings should be insured under General Lia- 
bility Schedule at the same rate as owners 
or tenants in occupation. If the policy is 
written to cover both the owner and the 
agent, the'rates-should be 150% of the rates 
given in this Manual, and the combined 
pay roll of both insured should be subject 
to the premium charge. 

Landlords' Contingent or Protective Lia- 
bility for Moving Picture Shows.— I f 
the owner or lessee of a moving picture 
show has leased the same entire to another, 
and the tenant has entire charge and con- 
trol of the premises, a General Liability 
policy should be written to cover the owner 
or lessee not in possession at a rate of 
10c. per seat; minimum premium $25.00, 
but an endorsement should be attached to 
such policy stating the existence of this 
condition, and it will continue during the 
term of the policy; also that the insured 
has no employees on or about the premises. 

Removal Permits.— It is recommended that 
permits for the removal of mercantile 
establishments to new locations be attached 
to General Liability Policies under the 
following conditions: 


86 



GENERAL LIABILITY SCHEDULE— 
RECOMMENDATIONS— Continued. 

1st. The policy or policies should cover old 
and new locations during the period of 
removal. 

2d. There should be a flat premium charge 
for the hazards of removal not herein ex- 
cluded, of $2.00 per day for the term during 
which the removal is in progress, the 
minimum term to be five days, and the 
minimum premium in any event, $10.00. 
An additional premium of $2.00 per 
day should be charged for every day or 
portion of day in excess of five. 

These permits should exclude the hazards of 
transportation between the old and the 
new locations, which should be covered by 
a Teams' policy at the proper rate only. 

General. — Where buildings are occupied in 
part as stores, with dwellings above, if the 
insured occupies the stores or any of them, 
the rate for stores should apply to the store 
portion, and the rate for apartments or 
tenements, to the balance. If a policy is 
written to cover a building, in which a 
theatre, concert hall, or other place of pub- 
lic amusement is contained, but there are in 
the building such occupancies as hotels, 
stores, offices, or apartments, the theatre, 
concert hall or place of amusement should 
be written in accordance with the theatre 
recommendation and the balance of the 


87 




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. 














GENERAL LIABILITY SCHEDULE- 
RECOMMENDATIONS— Continued. 

risk, at the proper rates as given in this 
Manual. 

THEATRE INSURANCE. 

“ E.L.” Coverage* — For “ E.L.” only use 
“E.L.” rates in Warehouse and Store 
Schedule. For “ E.L.” with “ P.L.” use 
“P.L.” rates given below without addi- 
tional charge for “E.L.” 

Public Liability. — A first class theatre or 
hall is one in which the following con- 
ditions exist: 

(a) All external walls must be of masonry, 
with or without a steel or iron frame. 

(b) All interior walls and partitions must be 
of masonry. 

(c) The main floor must not be more than 
six feet above the street level. 

(i d ) There must be exits from all floors or 
galleries passing from such floors directly 
through the external walls or wing walls of 
masonry to independent staircases. 

(e) There must be an asbestos or fireproof 
curtain in front of the stage. 

(/) There must be an automatic sprinkler 
system installed over the stage. 

(g) The performances given must be those 
usual in theatres proper and roof gardens, 
including dramatic entertainments, operas, 


88 
























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t 










GENERAL, LIABILITY SCHEDULE- 
RECOMMENDATIONS— Continued. 


concerts, and lectures given for two or three 
hours during evenings or afternoons. 

(h) Such exhibitions must be confined to 
the premises mentioned and not include 
any open-air place, roof gardens excepted, 
or other place than the permanent con- 
struction described hereinbefore. 

The Public Liability rate for a theatre, opera 
house, or music hall in which all these require- 
ments are satisfied should be 10 cents per 
annum for each seat on the main floor and in 
each gallery, irrespective of the number of 
entertainments given. 

If the construction is not such as to comply 
with requirement (a), 2^ cents should be added 
to the rate. 

If the construction does not comply with 
(b), (c), ( d ), (e) or (/), one cent should be added 
to the rate in each instance. 

If the performances are “ continuous,” 
2}/2 cents extra should be added. 

In towns of less than 40,000 population, 
the minimum premium should be $75.00; 
otherwise, $125.00. 

Minimum Premium for Theatres. The 
Manual recommends a Minimum Premium 
for Theatre risks. This Minimum Pre- 
mium recommended clearly applies to each 

89 
























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■ 

















GENERAL LIABILITY SCHEDULE- 
RECOMMENDATIONS— Continued. 

Theatre and is not a minimum premium 
per policy. In each case the companies 
should apply the Minimum Premium per 
* Theatre as given in the Manual in ac- 
cordance with the population as set forth. 


90 




GENERAL LIABILITY SCHEDULE— RATES. 

Street Area of 

Frontage Floors 
(Per Bun- (Per 100 
Classification. ning Ft.) Sq. Ft.) 

Advertising Signs (electric), 
maintenance and opera- 
tion of, 5 cents per sq. ft. 

Minimum Annual Pre- 
mium, $5.00 per sign. 

Advertising Signs (not elec- 
tric), Maintenance on 
Roofs, 3 cents per sq. ft. 

Minimum Annual Pre- 
mium, $10.00. 

Maintenance on walls of 
buildings, or street, or 
highways, 2 cents per sq. 
ft. Minimum Annual 
Premium, $10.00. 

Maintenance in fields, 25 
cents per 100 sq. ft. Mini- 
mum Annual Premium, 

$ 10 . 00 . 

Apartment Hotel and Hotel 

Apartment 05 .05 

Apartment Houses 05 .05 

Apartment House; one apart- 
ment (tenant’s risk) — rate 
same as dwellings. 

Asylums (excluding accidents 
due to negligence of pro- 
fessional attendants) (for 


91 










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■ 












* 













- 












4 





















GENERAL LIABILITY SCHEDULE— RATES.— Continued. 


Classification. 

Street 
Frontage 
(Per Run- 
ning Ft.) 

Area of 
Floors 
(Per 100 
Sq. Ft.) 

cottages attached see rec 



ommendation, page 82) . , 

. .05 

•03y s 

Athletic Clubs 

. .05 

.06% 


Note — For Gymnasium, 
if any, $10.00 additional; 
for Swimming Tank, if 
any, $5.00 additional; for 
Bowling Alleys, if any, 

$5.00 additional per alley. 

Automatic W e i g h i n g Ma- 
chines, operation of (ex- 
eluding installation in 
place, repair, and taking 
down), 10 cents per ma- 
chine per annum. 

Barbers, excluding accidents 
due to negligence of pro- 
fessional attendants 05 .06% 

Baseball Parks, of 1% of 
gate receipts — Minimum 
Annual Premium, $100.00. 

Baths, excluding accidents due 
to negligence of profes- 
sional attendants 05 .20 

Minimum Premium on area 
and frontage, $50.00. 

Bathing Pavilions. One-half 
of 1% of total gross re- 

92 














































































































GENERAL LIABILITY SCHEDULE— RATES.- 

Street 
Frontage 
(Per Run- 

Classification. ning Ft.) 

ceipts for Public Liability. 

50c. for each $100.00 of 
pay roll for Employers’ 
Liability. General Lia- 
bility form of policy should 
be used, but minimum 
premium for Public 
Liability should not be 
less than an amount 
equivalent to 10c. for each 
dressing room. 

Billiard and Bowling Halls: 

No alcoholic drinks served 


on the premises 05 

When alcoholic drinks are 
served on the premises. . . .05 

Cemetery Companies 03 Ys 

Churches, in cities, $50.00. 

Churches, in towns, $25.00. 


Club Houses (not Athletic, 

Country or Yacht) 05 

Country Clubs : 

Street frontage equivalent to 
the actual frontage of the 
principal building, .05 
cents. 

Area of all floors in princi- 
pal building, including 

93 


-Continued. 

Area of 
Floors 
(Per 100 
Sq. Ft.) 


•06% 

.16% 


•03 1/ 3 




GENERAL LIABILITY SCHEDULE— RATES.— Continued. 

Street Area of 

Frontage Floors 
(Per Run- (Per 100 
Classification. ning Ft.) Sq. Ft.) 

basement, if used by mem- 
bers, .03% cents. 

All other buildings, $4.00 
each. 

If Bowling Alley is main- 
tained in principal or sep- 
arate building, $5.00 addi- 
tional per alley. 

For Gymnasium in principal 
or separate building, 

$10.00 additional. 

For grounds owned or used 
charge 50 cents per acre if 
policy is to cover Public 
Liability of Club for 
games or sports conduct- 
ed thereon; or charge 25 
cents per acre if policy ex- 
cludes public liability of 
Club for games or sports 
conducted thereon. 

On all Club Pay Roll, $.25 
per $100.00. 

Note. — Not available to 
parks or other grounds 
where admission is 
charged. 

Country Hotels. Street or 
water frontage equiva- 

94 



GENERAL LIABILITY SCHEDULE— RATES —Continued. 

Street Area of 

Frontage Floors 
(Per Run- (Per 100 
Classification. ning Ft.) Sq. Ft.) 

lent to the actual front- 
age of the principal build- 
ing, 5c. Area of all 
floors in principal build- 
ing, including basement, 

6%c. All other buildings, 

$4.00 each. If bowling a L 
ley is maintained in prin- 
cipal or separate building, 

$7.50 additional per alley. 

For gymnasium in princi- 
pal or separate building, 

$15.00 additional. For 
grounds owned or used, 
charge 50c. per acre, if 
policy is to cover Public 
Liability of hotel for 
games or sports conducted 
thereon; or charge 25c. 
per acre if policy excludes 
public liability of hotel 
for games or sports con- 
ducted thereon. 
fDepartment Stores in cities 
having a population of 
100,000 and over 05 .20 


+Thi8 classification should apply to five and ten cent stores 
or stores advertising merchandise for sale at maximum or 
minimum stated price. 


95 




GENERAL LIABILITY SCHEDULE— RATES.— Continued. 

Street Area of 

Frontage Floors 
(Per Run- (Per 100 
Classification. ning Ft.) Sq. Ft.) 

•(•Department Stores in cities 
and towns having a popu- 
lation under 100,000 05 .15 

Dog Shows, as Horse Shows. 

Dry Goods Stores — retail, in 
cities having a population 

of 100,000 and over 05 .15 

Dry Goods Stores — retail, in 
cities and towns having a 
population under 100,000. .05 .10 

Dwellings occupied by not 
more than two families 
(no extra charge for Doc- 
tor or Dentist, claims for 
professional treatment not 
covered), $4.00 per an- 
num, $10.00 for three 
years. 

Exhibitions, Agricultural, 

Horticultural or Indus- 
trial : 

In halls, theatres or audi- 
toriums, y A of 1% of gate 
receipts. 

In parks, or other ground 
enclosures, y 2 of 1 % of 
gate receipts. 

+This classification should apply to five and ten cent stores 
or stores advertising merchandise for sale at a maximum or 
minimum stated price. 


96 




GENERAL LIABILITY SCHEDULE— RATES.- 

Street 

* Frontage 

(Per Run- 

Classification. ning Ft.) 

Minimum premium for term 
of policy which term 
should include but one 
continuous exhibition, 

$50.00, This minimum 
is not subject to any 
short rate or pro rata ad- 
justment. 

Hall and Theatre Insurance 
(see pages 88-90.) 

Halls for Lodge Meetings, 
Banquets and Balls : 

When alcoholic drinks are 
served on the premises. . . .05 

When no alcoholic drinks 
are served on the prem- 
ises (I. & M.) 05 

Horse Shows, in halls, the- 
atres or auditoriums ex- 
clusively, y 2 of 1% of 
gate receipts. 

Minimum premium for term 
of policy which term 
should include but one 
continuous exhibition, 

$50.00. This minimum is 
not subject to any short 
rate or pro rata adjust- 
ment. 


-Continued. 

Area of 
Floors 
(Per 100 
Sq. Ft.) 


•16% 


•06% 


97 

































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■ 













GENERAL LIABILITY SCHEDULE— RATES.— Continued. 

Street Area of 

Frontage Floors 
(Per Run- (Per 100 
Classification. ning Ft.) Sq. Ft.) 

Hospitals (excluding accidents 
due to negligence of pro- 
fessional attendants) (for 
cottages attached see 
recommendation, page 

82) .05 .031/3 

Hotels 05 .06% 

Ladies, Hair Dressing and 
Manicuring — excluding 
accidents due to negli- 
gence of professional at- 
tendants .05 .06% 

Lunch Wagon, including 
hauling to and from its 
place of business, each 
$10.00 per annum (no 
pay roll charge). 

Mercantile and Manufacturing 
Premises, variously occu- 
pied by persons other 
than the owner, not other- 
wise classified (owner’s 

risk only) 05 .03% 

Moving Picture Shows, J4 of 
1% of gate receipts. 

Minimum Annual Premium, 

$50.00. 

Owner’s risk only, not oper- 
98 






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ti 2 .‘ •- 

Ki ) 












GENERAL LIABILITY SCHEDULE— RATES.- 

Frontage 
Street 
(Per Run- 

Classification. ning Ft.) 

ating, 10 cents per seat 
per annum. 

Minimum Annual Premium, 

$25.00. 

Office Buildings 05 

One apartment in an apart- 
ment house (tenant’s risk 
only) — rate same as 
dwellings. 

Parks or buildings (not other- 
wise classified) used for 
exhibition, convention or 
show purposes (owner’s 
risk only) 05 

Private Houses (dwellings) 
occupied by not more than 
two families, each $4.00 
per annum. 

Private Estates, dwellings and 
grounds, containing not 
more than five acres : 

If grounds contain more 
than five acres, charge 
$4.00 per annum or $10.00 
for three years — on excess 
charge 25 cents per acre 
per annum — 62 *4 cents 
over three years. 


-Continued. 

Floors 
Area of 
(Per 100 
Sq. Ft.) 


• 01 % 


•06% 


99 































































































* 















































• 































































































































GENERAL LIABILITY SCHEDULE— RATES.- 

Street 
Frontage 
(Per Run- 

Classification. ning Ft.) 

For charge on pay roll other 
than household, private 
stable or private garage 
employees, see “Private 
Estates,” Miscellaneous 
Schedule. 

For charge on pay roll for 
construction work, see 
Contractors’ Schedule. 

Private Garage — $4.00 per 
annum, or $10.00 for three 
years. 

Private Stable — $4.00 per an- 
num, or $10.00 for three 
years. 


Public Libraries 05 

Public Museums of Art or 

Natural History 05 

Restaurants 05 

Retail Stores (not otherwise 

rated) 05 


Riding Academies, including 
private selling, no selling 
by auction (see Stable- 
men classification, Miscel- 


-Continued. 

Area of 
Floors 
(Per 100 
Sq. Ft.) 


• 01 % 

. 01 % 

.20 

. 06 % 


100 




















GENERAL LIABILITY SCHEDULE— RATES.- 

Street 
Frontage 
(Per Run- 


Cla^sificatiou. ning Ft.) 

laneous Schedule, for 

pay roll rate) ! *06% 

Sidewalks rented for storage 

purposes to hucksters 16% 

Tenements 05 


Turkish Baths — excluding 
accidents due to negli- 
gence of professional 


attendants 05 

Minimum Premium, $50.00. 

Vacant Land 03% 


Wharf and Water Front 

Property 

Wholesale Stores (not other- 


wise rated) 05 

Wholesale and Retail Stores 

(not otherwise rated) ... .05 

Wine and Spirit Merchants — 

Wholesale 05 


Wine and Spirit Merchants — 
Retail (including package 
stores) area charge should 
be applied to the entire 

premises . . . . . 05 

Yacht Clubs: 

Street frontage equivalent 
to the actual frontage of 


-Continued. 

Area of 
Floors 
(Per 100 
Sq. Ft.) 

•16% 

.05 

.20 

06% 

■03% 

.062/3 

.06% 

• 66 % 


101 



GENERAL LIABILITY SCHEDULE— RATES.- 

Street 
Frontage 
(Per Run- 

Classification. ning Ft.) 

the principal building, 

$.05. 

Area of all floors in prin- 
cipal building, including 
basement, if used by 
members, $.03%. 

All other buildings, $4.00 
each. 

If bowling alley is main- 
tained in principal or sep- 
arate building, $5.00 addi- 
tional per alley. 

For gymnasium in principal 
or separate building, 

$10.00 additional. 

For each dock or float 
used in lieu thereof, 
owned or controlled by 
the club, $5.00 addi- 
tional. 

If club maintains separate 
bathhouses, $5.00 addi- 
tional, regardless of num- 
ber. 

If policy is to cover Public 
Liability of club on ac- 
count of use of club 


-Continued. 

Area of 
Floors 
(Per 100 
Sq. Ft.) 


102 



GENERAL LIABILITY SCHEDULE— RATES —Continued. 

Street Area of 

Frontage Floors 
(Per Run- (Per 100 
Classification. ning Ft.) Sq. Ft.) 

launches, charge $25.00 
additional per launch. 

On all club pay roll, $.25 
per $100.00. 

Y. M. C. A. or Y. W. C. A. 

Buildings, excluding pub- 
lic liability for manual 
training schools 05 -03% 

Note . — For Gymnasium 
if any, $10.00 additional ; 
for Swimming Tank, if 
any, $5.00 additional ; for 
Bowling Alleys, if any, 

$5.00 additional per alley. 


103 
















LEATHER AND SHOE SCHEDULE — 
RECOMMENDATIONS. 

Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers* Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — All classifications, Rate “ D.” 

Read General Recommendations. 

LEATHER AND SHOE SCHEDULE— RATES. 


Classification. E.L. Coll. P.!L. 

Bag Mfrs. — traveling, portman- 
teau, and valise 35 1.00 .03 

Baseball Mfrs 35 1.00 .03 

Boot and Shoe Mfrs 35 1.25 .03 

Counter, Heel, and Sole Cutters.. 1.40 1.25 .03 

Curriers 80 1.25 .03 

Cut Sole Mfrs 1.40 1.25 .03 

Degreasing Skins 2.80 4.00 .03 

Embossed Leather Mfrs 59 1.00 .03 

Enamel Leather Mfrs 59 1.00 .03 

Glove Mfrs. (leather) 35 1.00 .03 

Glove Dressers 56 1.00 .03 

Harness and Saddle Mfrs 35 1.00 .03 

104 

















* 


































. 


■ 






















































LEATHER AND SHOE SCHEDULE— RATES— Continued. 


Classification. 

EX. 

Coll. 

PX. 

Leather Belting Mfrs 

.80 

1.00 

.03 

Leather Board Mfrs. — from leather 




scraps 

1.40 

2.00 

.03 

Leather Dressers 

.80 

1.25 

.03 

Leather Embossing 

.59 

1.00 

.03 

Leather Wearing Apparel and 




Novelties 

.35 

1.00 

.03 

Mail Bag or Pouch Mfrs 

.59 

1.00 

.03 

Morocco Dressers 

.80 

1.25 

.03 

Pocketbook Mfrs 

35 

1.00 

.03 

Shoe and Boot Mfrs 

.35 

1.25 

.03 

Shoe Stock Mfrs 

1.40 

1.25 

.03 

Slipper Mfrs 

.35 

1.25 

.03 

Tanners 

.80 

1.25 

.03 

Trunk Mfrs. (leather) 

1.40 

1.25 

.03 

Wool Pullers — consisting of wash- 





ing the wool on the hide under 
high water pressure. Opera- 
tion of a machine which re- 
moves burs and impurities 
from the wool, also a fleshing 
machine which removes the 
extra particles from the hide. 

The above process being pre- 
paratory to tanning 80 


1.25 .03 


105 





























































LUMBER SCHEDULE— RECOMMENDATIONS. 

Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P.L. and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers* Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Public Liability. — Apply to Home Office 
for P.L. rate on any classification in this 
schedule marked (a). 

Limit Table. — All classifications, Rate “ C.” 

Read General Recommendations. 


LUMBER SCHEDULE— RATES. 


Classification. 

E.Ii. 

Coll. 

P.E. 

Bark Mills 

.59 

2.25 

.10 

Bark Peeling 

1.40 

2.25 

.10 

Box Mfrs. — no machinery 

.59 

1.25 

.05 

Box Mfrs. — steam 

1.75 

2.25 

.10 

Box Mfrs. — cigar 

.59 

1.25 

.05 

Box Mfrs. (wire . bound) — no 
manufacturing of lumber 
used in constructing such 

boxes 

1.40 

1.50 

.05 

Cooperage Stock Mfrs. — heads, 

hoops, staves, etc 

2.10 

2.25 

.10 


106 



LUMBER SCHEDULE— RATES.— Continued. 


Classification. 

EX. 

Coll. 

PX. 

Excelsior Mfrs 

2.10 

2.25 

.10 

Eath Mfrs 

2.10 

2.25 

.10 

East Block Mfrs 

Logging and Lumbering opera- 

2.10 

2.25 

.10 

tions with transportation of 
logs to mill (not including 
operations of logging rail- 
road) 

1.40 

2.25 

.10 

Logging Railroad — operation and 




maintenance of, not including 
accidents to passengers (in- 
cluding maintenance and ex- 
tension of existing lines) . . . 

10.50 

6.00 

(a) 

Lumber Yard Employees (com- 




mercial yards only) no mill 
hazard 

;84 

2.25 

.25 

Lumber Yard Employees — (not 




commercial yard) — to take 
highest rate for any mill con- 
nected therewith. 




Packing Case Mfrs. — no ma- 




chinery 

.59 

1.25 

.05 

Packing Case Mfrs. — steam 

1.75 

2.25 

.10 

Planing and Moulding Mills 

Sash, Door and Blind Mfrs. (in- 

1.40 

2.25 

.10 

cluding outside employees so- 
liciting and measuring only) . 

1.40 

2.25 

.10 

Saw Mills (including all employees 




whose duties require their 
presence in the mill) 

2.10 

2.25 

.10 


107 




LUMBER SCHEDULE— RATES.— Continued. 

Classification. E.L. Coll. P.li. 

Shingle Mfrs 2.10 2.25 .10 

Stave Mfrs 2.10 2.25 .10 

Veneer Mfrs 2.10 2.25 .10 

Wood Yard Employees handling 
wood exclusively (commercial 
yards only) — no mill 84 2.25 .25 


108 




MEAT PACKING HOUSE AND STOCK YARD 
SCHEDULE— RECOMMENDATIONS. 

Minimum Premium— For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers* 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — All classifications, Rate “ C.” 

Read General Recommendations . 


MEAT PACKING HOUSE AND STOCK YARD 
SCHEDULE— RATES. 


Classification. E.li. Coll. p.E. 

Cattle Dealers (not operating 

stock yards) 1.54 2.00 .60 

Live Stock Shippers 5.60 2.40 .60 

Packing Houses (no handling of 

live stock or slaughtering) . . . 1.05 1.25 .10 


Packing Houses — including hand- 
ling of cattle and slaughtering : 

Pay roll of $100,000 or less. . 1.40 2.00 .10 

Pay roll in excess of $100,000. 1.75 2.00 .10 

Pork Packers (see Packing 
Houses). 


109 




MEAT PACKING- HOUSE AND STOCK YARD SCHEDULE- 
RATES.— Continued. 


Classification. 

EX. 

Coll. 

p.i 

i. 

Refrigerator Cars — loading and 





unloading of, and caring for 





freight in cars during transit. 

1.75 

2.50 

t-2 

5 

Sausage Mfrs 

1.75 

1.25 

.1 

b| 

Sausage Case Mfrs 

1.75 

1.25 

.1 

0 

Slaughtermen 

1.75 

2.40 

.li 

0 

Stock Yards with Railroad Entry 





— with or without slaughter- 





ing 

5.60 

2.40 

.6 

0 


tThe Public Liability should be restricted to places where the goods are 
received only, excluding accidents by railroad, horses, vehicles, or 
loading or unloading. 


110 






METAL SCHEDULE— RECOMMENDATIONS. 

Minimum Premium. — For E.L., or E.L. and 
P.L., or E.L., P. L., and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — All classifications rated at 
50 cents or over, Rate “ C.” All other 
classifications Rate, “D.” 

Stamping. — The term “ stamping ” as used in 
this Manual applies whenever metals are 
cut, shaped, pressed, or stamped by steam 
or other mechanical power, and the feeding 
of the material is done by hand, but not 
automatically. Classifications in this 
schedule marked with a star (*) do not in- 
clude stamping within the rate named, 
while all other classifications not so marked 
include the stamping incidental to the pro- 
cess described in the classification. Where 
stamping is to be separately rated and 
charged for, as it should be in the classifi- 
cations marked with a star (*), the pay roll 
of operatives employed in the work as 
above defined should be kept separate from 


ill 



































































































































* 




































METAL SCHEDULE— RECOMMENDATIONS— Cont. 

the general pay roll, and a premium rate 
charged thereon of E.L., $8.40; Coll. $3. 00, 
and P.L., $0.05. 

Read General Recommendations . 

METAL SCHEDULE— RATES. 

Classification. EX. Coll. PX. 

Acetylene Gas Machine Mfrs. ...► 77 1.50 .05 

Adding Machine Mfrs 35 1.00 .05 

Aerated and Soda Water Appa- 
ratus Mfrs 77 1.00 .05 

Aeroplane Mfrs., including over- 
hauling and repairing in shop 
and outside, excluding opera- 
tion and demonstration 84 1.50 .10 

Agate and Enamel Ware Mfrs... 2.10 2.00 .05 

Aluminum Ware Mfrs., from 
sheet aluminum — no rolling 
mill or smelting operations.. 77 1.50 .05 

Aluminum Works 1.26 1.25 .10 

Anchor Mfrs 1.40 2.00 .10 

Annunciator Mfrs 35 1.00 .05 

Arms (small arms) Mfrs. (not 

charging shells) 49 1.00 .05 

Arms (heavy ordnance) Mfrs.... 1.40 2.00 .10 

Autogenous welding (Oxy-Acety- 

lene process) shop only 1.26 1.50 .10 

Automatic Slot or Vending Ma- 
chines, Mfrs. of (including in- 
stallation in place, repairs and 
taking down) 70 1.50 .15 


112 







































































































. 

















































METAL SCHEDULE— RATES.— Continued. 


Classification. E.L. Coll. P.L. 

Automobile Radiator Mfg 59 1.50 .03 

Automatic Sprinkler Mfrs 49 1.50 .05 

Axe Mfrs 1.40 1.50 .05 

Axle (metal) Mfrs 1.40 1.50 .05 

Babbitt Metal Mfrs 56 1.50 .05 

Badge (metal) Mfrs 77 1.50 .05 

Battery (storage) Mfrs. — manu- 
factured from lead plates .... 1.40 1.75 .10 

Battery (storage) Mfrs. — not man- 
ufactured from lead plates... .77 1.50 .05 

Bedstead (metal) Mfrs 1.00 1.50 .05 

Bedsteads (m e t a 1) — assembling 
manufactured parts only, no 

stamping 49 1.50 .05 

Bell Foundry .77 1.50 .05 

Bicycle and Bicycle Parts Mfrs. 

(including the assembling of 

bicycles) 49 1.50 .05 

Blacksmiths — not shoeing 84 1.50. .05 

Blacksmiths — shoeing 1.68 2.00 .10 

No division of pay roll be- 
tween those shoeing and not 
shoeing. 


Blacksmiths — shoeing (including 
leading or driving animals of 


customers to and from shop) . 

1.68 

2.00 

.50 

Boilermakers 

2.10 

1.60 

.10 

Bolt and Nut Mfrs 

1.00 

1.50 

.05 

Brass Foundry 

.77 

1.50 

.05 


113 







/ 






















. 


























■ 



























































































































































































METAL SCHEDULE— HATES —Continued. 

Classification. EX. Coll. PX. 

*Brass Goods Mfrs 77 1.50 .05 

Bridge Works 2.31 3.80 .10 

Brittania Ware Mfrs 1.05 1.50 .05 

Button (metal) Mfrs 77 1.50 .05 

Cable (wire) Mfrs 1.00 2.50 .05 

Can Mfrs 2.24 2.00 .05 

Carbureter Manufacturing exclu- 
sively 77 1.00 .05 

Card Clothing Mfrs 49 1.50 .05 

Carriage Dashes and Carriage 

Tops Mfrs. (not wooden) 77 1.50 .05 

Car Wheels Mfrs 1.40 2.00 .10 

Cash Register Mfrs 35 1.00 .05 

Cast Iron (pipe) Mfrs 1.40 2.00 .10 

Chain Mfrs 77 2.00 .05 

Chandelier Mfrs 77 1.50 .05 

Clock Mfrs 35 1.00 .05 

Coffin and Casket (metal) 1.00 1.25 .05 

*Copper and Zinc Goods Mfrs. — 

no rolling mill, no smelting. . .77 1.50 .05 

^Coppersmiths 77 1.50 .05 

Cotton Gin Mfrs 84 1.50 .05 

Cutlery Mfrs 77 1.50 .05 

Cutting Dies Mfrs 49 1.50 .05 

Decorative Wire Mfrs. (no wire 

drawing) 77 1.25 .05 

Drop Forging Works — (not hard- 
ware) 1.40 1.50 .05 

Electric Apparatus Mfrs 77 1.50 .05 

Electric Crane Mfrs 1.75 2.00 .10 

114 



METAL SCHEDULE— RATES— Continued. 

Classification. E.L. Coll. P.L. 

Electric Welding — shop only .... 1.26 1.50 .10 

Elevator Mfrs 84 1.50 .05 

Enamel and Agate Ware Mfrs... 2.10 2.00 .05 

Feed Water Heaters Mfrs 77 1.50 .05 

Fenders and Fire Iron Mfrs 77 1.50 .05 

File Mfrs 49 1.50 .05 

Fire Engine Mfrs 1.26 1.50 .05 

Fireproof Equipment Mfrs., in- 
eluding herring-bone, ex- 
panded steel products, steel 
furniture, filing equipment 

and wood working 1.05 1.50 .05 

Foundry (not otherwise classi- 
fied) 1.40 1.50 .10 

Foundry, bell 77 1.50 .05 

Foundry, iron 1.40 1.50 .10 

Foundry, steel castings 1.40 1.50 .10 

Forging Work — hand work only 

— no machinery 77 1.50 .05 

Forging Work, steam 1.40 1.50 .10 

Furnace Mfrs. — house heaters 49 1.50 .05 

Galvanized Iron Workers 1.05 1.50 .05 

Galvanizing or Tinning Sheet 
Metal, exclusively (not manu- 
facturing sheet metal or metal 

goods) 49 1.50 .05 

Gas and Steam Fitters 49 1.50 .05 

Gas or Gasoline Engine Mfrs., in- 
cluding engines for boats not 

exceeding 150 h. p 1.00 1.50 .05 

115 



METAL SCHEDULE— RATES.— Continued. 


Classification. E.L. Coll. P.L. 

Gas Engine Ignition Apparatus 
Mfrs. (not available to Gas 

Engine Mfrs.) 77 1.00 .05 

Gas Fixtures Mfrs 77 1.50 .05 

Gas Holders Mfrs 2.31 1.60 .10 

Gas Machines, Acetylene 77 1.50 .05 

Gas Meter Mfrs 77 1.50 .05 

Gold Leaf Mfrs 35 1.00 .05 

*Gum Vending Machine Mfrs 49 1.00 .05 

Gun, Rifle and Pistol Mfrs. (not 

charging shells) 49 1.00 .05 

♦Hardware (builders) Mfrs., butts, 
hinges, locks, door-bolts, win- 
dow-catches, lifts, and such 
other light hardware as is used 
exclusively for the trim of 

buildings 49 1.50 .05 

♦Hardware (carriage) Mfrs. (not 

otherwise classified) 77 1.50 .05 

♦Hardware (saddlery) Mfrs. (not 

otherwise classified) 77 1.50 .05 

Horse Shoe Mfrs 84 1.50 .05 

Ignition Apparatus for gas engine 
mfrs. (not manufacturing gas 

engines) 77 1.00 .05 

Instrument (professional or scien- 
tific) Mfrs 35 1.00 .05 

Iron and Steel Works. (See Steel 
Works.) 

Iron Foundry 140 1.50 .10 


116 



METAL SCHEDULE— RATES.— Continued. 

Classification. EX. Coll. P.L. 

Jewelry Mfrs 49 1.00 .05 

Key Mfrs 49 1.00 .05 

*Label (metal) Mfrs. 77 1.50 .05 

Lamp and Lampshade Mfrs., 
metal work, including plating. 

(See Lamp and Lantern 
Mfrs.) 

*Lamp Shade Mfrs. exclusively, 

no stamping .. 70 1.50 .05 

Lamp Shade Mfrs. exclusively, 

with stamping 1.40 2.00 .05 

Lamp and Lantern Mfrs 1.40 1.50 .05 

Lawn Mower Mfrs .77 1.20 .05 

Lead Works — sheet, pipe, shot 

(no smelting) 1.05 1.50 .05 

*Lock Mfrs 77 1.50 .05 

Locomotive Works . ... 1.26 1.60 .10 

Loom-Harness, Cop-Tube and 

Shuttle Mfrs 49 1.50 .05 

Loom Mfrs 49 1.50 .05 

Machine Shops — no foundry 84 1.50 .05 

Machine Shops — with foundry ... 1.00 1.50 .05 

*Mail Box Mfrs 49 1.50 .05 

Malleable Iron Works 56 1.50 .05 

Marine Engine Mfrs 1.26 1.60 .10 

Mattress (wire) Mfrs 1.00 1.50 .05 

Metal Ceiling Mfrs. 1.05 1.50 .05 

*Metal Goods Mfrs. (not other- 
wise classified) 1.05 1.50 .05 

Metal Screen Mfrs. — window or 


117 























































* 












































































































































METAL SCHEDULE— RATES.— Continued. 


Classification. 

EX. 

Coll. 

PX. 

door 

.77 

1.25 

.05 

Metal Spinning — Rate same as 

* 



Machine Shops, no foundry. 


t 


Mining and Milling Machinery 




Mfrs. (including crushers and 
rolls, slime classifiers, jigs and 
transmission machinery) .... 

1.26 

1.50 

.10 

Musical Instrument Mfrs. (metal) 

.35 

1.00 

.05 

Nail and Spike Mfrs 

1.00 

1.50 

.05 

Needle Mfrs 

.35 

1.00 

.05 

Numbering Machine Mfrs 

.35 

1.00 

.05 

Nut and Bolt Mfrs 

1.00 

1.50 

.05 

*Oil Stove Mfrs 

Ornamental Iron Works. (See 

.49 

1.50 

.05 

Iron and Steel Works — 
Shop.) 




Oxy- Acetylene Welding (Auto- 




genous welding) 

1.26 

1.50 

.10 

Patent Metal Mfrs. (i. e., rolling of 




metal, tin, and lead into thin 
sheets for wrapping tobacco, 
chewing gum) 

.49 

1.50 

.05 

Pen Mfrs 

.35 

1.00 

.05 

Phonograph Mfrs 

Piano Plates Mfrs. exclusively, in- 

.49 

1.00 

.05 

cluding pattern shops and fin- 
ishing (not available for divi- 
sion of pay roll) 

.49 

1.50 

.05 

Piano Wire Mfrs. (not wire draw- 




ing) 

.49 

1.50 

.05 


118 




METAL SCHEDULE— RATES.— Continued. 

Classification. EX. Coll. PX. 

Picture Wire Mfrs. (not wire 

drawing) 77 1.25 .05 

Pin Mfrs 35 1.00 .05 

Pipe (cast iron) Mfrs 1.40 2.00 .10 

Pistol Mfrs. — not charging shells. .49 1.00 .05 

Plumbers 49 1.50 .05 

Plumbers’ Supplies Mfrs 77 1.50 .05 

Printing Press Mfrs 49 1.50 .05 

Projectile, Shell or Case Mfrs. — 
no loading or testing with ex- 
plosives 1.00 1.50 .10 

Pulley Block (metal) Mfrs 49 1.50 .05 

Pump Mfrs 49 1.50 .05 

Radiator (for automobiles) Mfg. . .56 1.50 .05 

Radiator Mfrs 49 1.50 .05 

Razor Mfrs 77 1.50 .05 

Revolver Mfrs. — not charging 

shells 49 1.00 .05 

Road Roller Mfrs 1.40 1.50 .10 

Sad Iron Mfrs. (“Flatirons”) 49 1.00 .05 

Safe Mfrs 1.40 1.50 .05 

Saw Mfrs 49 1.50 .05 

Scale Mfrs 49 1.50 .05 

Screw Mfrs 49 1.50 .05 

Sculptors, Statuary and ornamen- 
tal work in bronze, including 

moulding and casting 56 1.50 .05 

Sewing Machine Mfrs 49 1.25 .05 

*Sheet Iron Stoves (oil or gas).. .49 1.50 .05 

Sheet Metal Workers 1.05 1.50 .05 

119 




METAL SCHEDULE— RATES.— Continued. 

Classification. EX. Coll. PX. 

Shot Works 1.00 1.50 .05 

Shovels, Spades, Scoops and 
Hoes, and Gardening Tools 

Mfrs 1.05 1.20 .05 

Silverware Mfrs 49 1.00 .05 

Skate Mfrs 49 1.50 .05 

*Slot Machine Mfrs 49 1.00 .05 

Soda Water Apparatus Mfrs 77 1.00 .05 

Spedometer, with or without Odo- 
meter, for use on vehicles, in- 
cluding installation of same 

away from factory 49 1.50 .05 

Spring Bed Mfrs 1.00 1.50 .05 

Spring Mfrs. (not railroad car 

springs) 84 1.50 .05 j 

Sprinkler (automatic) Mfrs 49 1.50 .05: 

Stamping (tin and metal) Works. 8.40 3.00 .05 

Stationary Engine Mfrs 1.26 1.50 .10 

Steam and Air Pressure Gauge 

Mfrs .49 1.00 .05 

Steam Packing Mfrs.- — metal 84 1.50 .05 

. Steam Radiator Mfrs. 49 1.50 .05 

Steam Road Roller Mfrs 1.40 1.50 .10 

Steam Shovels, Dredges, and 

Ballast Unloader Mfrs 1.68 3.80 .10 

Steel Freight Cars, Pressed Steel 
Truck Frames, and Bolster 

Mfrs 2.31 2.50 .10 

Steel Works : 

Steel Works — open hearth, bes- 
129 














































































METAL SCHEDULE— RATES.— Continued. 


Classification. E.L. Coll. 

semer, and crucible, or open 
hearth and bessemer, casting 
ingots, and puddling or bloom- 
ing mill operations 2.40 2.50 

Steel Works — crucible, casting 
ingots, and puddling or bloom- 
ing mill operations. This 
classification should not be 
available for divided pay roll 


purposes 1.96 2.50 

Rolling Mills — operated in con- 
nection with steel works, roll- 
ing products of every descrip- 
tion, including rod mill 1.96 2.50 

Rolling Mills — operated in con- 
nection with steel works, roll- 
ing products of every descrip- 
tion — no rod mill 1.54 2.50 


Rolling Mills — rolling of rods 
only, no blast furnace, con- 
verter, or casting of steel. 

This classification should not 
be available for divided pay 

roll purposes 2.31 2.50 

Rolling Mills — rolling of metal 
plates and sheets only, includ- 
ing dipping for galvanizing 
purposes. No blast furnace, 
converter, or casting of steel. 

This classification should not 


P.L. 


.10 


.10 


.10 


.10 


.10 


121 





METAL SCHEDULE— RATES.— Continued. 


Classification. 

be available for divided pay 

roll purposes 

Rolling Mills — rolling of bars 
only. No blast furnace, con- 
verter, or casting of steel. 
This classification should not 
be available for divided pay 

roll purposes 

Tin and Terne plate rolling 
from tin plate bars, including 
dipping. No tin plate bar 
manufacturing and no blast 
furnace, converter, or casting 

of steel 

Iron and Steel Works — shop, 
fabricating and assembling 
structural iron and steel. No 
blast furnace, converter, or 
casting of steel, or rolling 

mill 

Iron and Steel Works — shop, 
fabricating, assembling, and 
manufacturing railings, bal- 
conies, fire escapes, stair 
cases, mail chutes, iron shut- 
ters, and ornamental brass, 
bronze, and iron work. No 
blast furnace, converter, or 
casting of steel or rolling 
mill 


E.L. 

Coll. 

p.L. 

1.54 

2.50 

.10 


1.19 2.50 .10 


.77 1.50 .05 


2.31 2.50 .10 


1.40 1.50 .10 


122 













































































































METAL SCHEDULE— RATES.— Continued. 


Classification. E.L. Coll. P.L. 

Iron and Steel Works — shop, 
manufacturing ornamental 
brass, bronze, and iron work 
exclusively. No blast furnace, 
converter, or casting of steel 
or rolling mill. This classifi- 
cation should not be avail- 
able for divided pay roll 

purposes 77 1.50 .05 

Steel Crushed — steel wool mfrs., 
crucible, casting of ingots and 
puddling or blooming mill op- 
erations. Not available for 


divided pay roll purposes 1.75 2.50 .10 

Stencil Mfrs 77 1.25 .05 

Stove Mfrs. (not sheet iron) 35 1.50 .05 

*Stove Mfrs. (sheet iron) 77 1.50 .05 

Structural Iron and Steel Works. 

(See Iron and Steel Works.) 

Sword Mfrs 77 1.50 .05 

Tack Mfrs :. .49 1.50 .05 

Tag, Check and Label (metal) 

Mfrs 77 1.50 .05 

Tank Builders 2.31 1.60 .10 

Telegraph and Telephone Appar- 
atus Mfrs 77 1.50 .05 

Telescope Mfrs 35 1.50 .05 

^Thermometer Mfrs 49 1.00 .05 

*Thermostat Mfrs 49 1.50 .05 

Tin Can Mfrs 2.24 2.00 .05 


123 



METAL SCHEDULE— RATES— Continued. 


Classification. 

EX. 

Coll. 

PX. 

Tin Foil Mfrs • 

.49 

1.25 

.05 

Tin Plate Mfrs. (See Steel Works.) 




Tin Plate Rolling and Dipping. 




(See Steel Works.) 




Tinsmith Shop 

1.05 

1.50 

.05 

Tool Mfrs 

.42 

1.50 

.05 

Toy (metal) Mfrs 

2.10 

1.00 

.05 

Tube (metal) Mfrs 

1.00 

1.50 

.10 

Type Founders 

.49 

1.50 

.05 

Typesetting Machine Mfrs 

.49 

1.50 

.05 

Typewriter Mfrs *. 

.35 

1.00 

.05 

Ventilator Mfrs 

1.05 

1.50 

.05 

Voting Machine Mfrs 

.49 

1.50 

.05 

Watch Mfrs 

.35 

1.00 

.05 

Watch Case Mfrs 

.35 

1.00 

.05 

Water Tower Mfrs 

2.31 

3.80 

.10 

Water Wheel (metal) Mfrs 

.84 

1.50 

.05 

Weighing Machine Mfrs 

.49 

1.50 

.05 

Wheel (metal — car) Mfrs 

1.40 

2.00 

.10 

Wheelbarrow (metal) Mfrs 

1.05 

1.50 

.05 

Windmill (metal) Mfrs 

1.00 

1.50 

.05 

Wire Basket and Cage Mfrs 

.77 

1.25 

.05 

Wire Cloth Mfrs 

.77 

1.25 

.05 

Wire (decorative) Mfrs. (no wire 




drawing) 

.77 

1.25 

.05 

Wire Drawing Works 

1.00 

2.50 

.05 

Wire (dress form) Mfrs 

.77 

1.25 

.05 

Wire Fence Mfrs. (no wire 




drawing) 

.77 

1.25 

.05 

Wire Nail Mfrs 

1.00 

1.50 

.05 


124 









































METAL SCHEDULE— RATES.— Continued. 


Classification. E.L. Coll. P.L. 

Wire, Piano Wire Mfrs. (no wire 

drawing) 49 1.50 .05 

Wire, Picture Wire Mfrs. (no wire 

drawing) 77 1.25 .05 

Wire Rope Mfrs 1.00 2.50 .05 

Wrought Iron Pipe Mfrs 1.40 1.50 .05 

*Zinc and Copper Goods Mfrs. 

(no rolling mill, no smelting) .77 1.50 .05 



125 



MILLING SCHEDULE— RECOMMENDATIONS. I 

Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $25.00. | 

The Minimum Premium applicable to 
a Manufacturers’ Employers* Liability j 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — All classifications, Rate “ C.” 

Read General Recommendations. 


MILLING SCHEDULE— RATES. 


Classification. 

EX. 

Coll. 

PX. 

Corn Mills 

1.26 

1.25 

.10 

Flour Mills 

1.26 

1.25 

.10 

Grist Mills 

1.26 

1.25 

.10 

Hominy Mills 

1.26 

1.25 

.10 

Millers (not otherwise classified) . 

1.26 

1.25 

.10 

Oatmeal Mills 

1.26 

1.25 

.10 

Pure Food Mfrs. (including mill- 




ing) 

1.26 

1.25 

.10 

Rice Mills 

1.26 

1.25 

.10 


126 



MINING (except Coal) SCHEDULE- 
RECOMMENDATIONS. 

Minimum Premium. — For E.L. only, or E.L. 
and P.L. combined, $50.00. 

Public Liability. — Apply to Home Office 
for P.L. rate on any classification in this 
schedule marked (a). 

Limit Table. — All classifications, Rate “ B.” 

Blasting. — All rates in this schedule include 
blasting, if any. 

Construction, Re-construction, Mainte- 
nance, and Repair.— All rates in this 
schedule include the construction, re-con- 
struction, maintenance, and repair of all 
buildings or structures used or maintained 
in connection with mining operations, if 
done by employees of the insured. 

Read General Recommendations. 


MINING (except Coal) SCHEDULE— RATES. 


Classification. E.li. Coll. P.Ii. 

Clay or Shale Mines, shafts, tun- 
nels or drifts 2.80 2.50 (a) 

Clay or Shale Mines, surface, no 

shafts, tunnels, or drifts .... 2.80 2.50 (a) 

Copper Mines 2.80 3.50 (a) 

Feldspar Mines 2.80 3.50 (a) 

Gold Mines 2.80 3.50 (a) 

Graphite Mines 2.80 3.50 (a) 

Gypsum Mines 3.50 3.50 (a) 


127 




































' 

























. 









MINING (except Coal) SCHEDULE— RATES.— Continued. 


Classification. 

Iron Mines, shafts, tunnels, or 

EX. 

Coll. 

PX. 

drifts 

Iron Mines, surface, no 

shafts, 

4.20 

3.50 

(a) 

tunnels, or drifts 


2.80 

3.50 

(a) 

Lead Mines 


3.50 

3.50 

(a) 

Lead and Zinc Mines 


3.50 

3.50 

(a) 

Manganese Mines 


2.80 

3.50 

(a) 

Mica Mines 


2.80 

3.50 

(a) 

Nickel Mines 

Ore Mines (not otherwise 

classi- 

2.80 

3.50 

(a) 

fied), shafts, tunnels, or drifts 
Ore Mines, surface, no shafts, 
tunnels, or drifts (not other- 

4.20 

3.50 

(a) 

wise classified) 


2.80 

3.50 

(a) 

Phosphate Mines 


2.80 

3.50 

(a) 

Rock Salt Mines 


2.80 

3.50 

(a) 

Silica Mines 


4.20 

2.50 

(a) 

Silver Mines 


2.80 

3.50 

(a) 

Sulphur Pyrites Mines . . . . 


2.80 

3.50 

(a) 

Talc Mines 


2.80 

3.50 

(a) 


128 



' 

















































































































. 






















































MISCELLANEOUS SCHEDULE- 
RECOMMENDATIONS. 

Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Public Liability. — Apply to Home Office 
for P.L. rate on any classification in this 
schedule marked (a). 

Limit Table. — Carpet Cleaning or Beating 
Works, Cartridge Mfrs., Cellulose Mfrs., 
Cleaners and Dyers, Degreasing Skins, 
Dyers and Cleaners, Elevated Railroad — 
operation of, Fireworks Mfrs., Fuse Mfrs., 
Garbage Works, Gas Works — operation of, 
Glucose Mfrs., Match Mfrs., Railroad, 
steam-operation of, Starch Mfrs., Street 
Railroad Companies, all kinds, Syphons, 
Mineral Water Bottles (Public only), 
Rate “ A.” 

Bottlers (bottling under pressure), Coal 
Merchants — Shipping by water, or by land 
and water, and all other classifications 
rated at 75 cents E.L. or over but less 


129 



MISCELLANEO US SCHEDU LE-BECOMMENDATION S 
— Continued. 

than $1.70 E.L. and except those already 
included under “ A,” Rate “ B.” 

Blacking (Shoe) Mfrs., Carbon Black 
Mfrs., Metal Polish Mfrs. (no can manu- 
facturing), Shoe and Harness Blacking 
Mfrs., Stove Polish Mfrs., and all other 
classifications rated at 50 cents E.L. or 
over, but less than 75 cents E.L. except 
those already included under “ A ” and 
“ B,” Rate “ C ” 

All other classifications, Rate “ D.” 

Stamping. — All rates in this schedule include 
stamping hazard, if any. 

Railroad Hazard. — For railroads in connec- 
tion with manufacturing plants, if insured 
plant does not supply motor power, no 
separate charge for railroad hazard. If 
insured plant supplies motor power, and 
railroad is entirely upon the premises cov- 
ered by the policy, no separate charge for 
railroad hazard. If cars are moved by 
steam capstan or drum, not itself movable, 
no separate charge for railroad hazard. 

Logging Railroad should not be con- 
sidered as entirely upon the premises of 
the insured. 

Subject to the foregoing, upon all risks 
in connection with which a railroad is 
operated, a separate pay roll of all em- 


130 



MISCELLANEOUS SCHEDULE— RECOMMENDATIONS 
— Continued. 


ployees engaged in the operation, main- 
tenance, and repair of such railroad should 
be rendered and subjected to the premium 
rate required in this manual. 

Read General Recommendations. 

MISCELLANEOUS SCHEDULE— RATES. 

Classification. E.L. Coll. P.L. 

Abdominal Truss Mfrs 49 1.00 .04 

Advertising Novelties and Signs 
Mfrs. (not metal, celluloid, or 

glass) 77 1.50 .05 

Agricultural Implement Mfrs. . . . 1.00 1.20 .05 

Analytical Chemists, including 
shop work and work per- 
formed away from shop 70 1.50 .25 

Artificial Limb Mfrs 49 1.25 .05 

Asbestos Goods Mfrs 77 1.25 .03 

Asphalt Works (shop and yards 

only) 1.40 1.25 .30 

Automobile Salesrooms (no Gar- 
age or Repair Shop ; no move- 
ment of cars except by hand) 

— e n t i r e compensation of 
salesmen and clerical force to 

be included 28 1.25 .10 

A.wning and Tents Mfrs. — shop 

and erecting 1.00 1.00 1.00 

Beet Sugar Mfrs 1.00 1.75 .10 

Blacking (shoe) Mfrs 49 1.00 .03 


131 
























MISCELLANEOUS SCHEDULE— RATES.— Continued. 


Classification. 

13. L. 

Coll. 

p.l. 

Black Lead Mfrs 

.49 

1.25 

.03 

Bone and Ivory Turners 

.49 

1.25 

.03 

Bone Workers 

Bottling Works — (no bottling 

.49 

1.25 

.03 

under pressure) 

1.05 

1.50 

.10 

Bottlers (bottling under pres- 




sure) 

2.52 

1.50 

.10 

Boxes for Jewelers — Mfrs. of 

Breweries (with or without bot- 

.35 

1.00 

.04 

tling) 

.56 

1.50 

.05 


The outside pay roll of Brew- 
eries engaged in fitting up of 
saloons, not involving struc- 
tural change in the building, 
should be separated from the 
Brewery pay roll and assigned 
to classification in Contrac- 
tors’ Schedule, “Cabinet 
Work.” 

Buffing Wheel Mfrs. (cloth or 


leather only) 49 1.25 .03 

Building Material Dealers (yard 
work only — no second hand 
materials or lumber yard) ... 1.26 3.00 .25 

Building Material Dealers (yard 
work only — second hand ma- 
terials) — see Junk Dealers. 

Butchers’ Supplies Mfrs 70 1.50 .05 

Button Mfrs. (not metal or cellu- 
loid) 49 1.25 .03 

132 






MISCELLANEOUS SCHEDULE— RATES.— Continued. 


Classification. EX. Coll. PX. 

Cab Companies — stable hazard 

only 1.05 1.75 .50 

Cables — insulation of, for electri- 
cal purposes 1.00 2.50 .05 

Canneries (no can mfg.) 1.05 1.00 .03 

Carbon Mfrs. (not electro-chemical 

process) 49 1.25 .03 

Carbon Black Mfrs 35 1.00 .03 

Carpet Cleaning or Beating 

Works 35 1.00 .03 

Cartridge Mfrs 6.60 4.00 2.00 

Celluloid Goods Mfrs. (from 
sheets of celluloid or compo- 
sitions containing celluloid — 

no celluloid mfg.) 1.40 1.00 .15 

Cellulose Mfrs 1.40 1.75 .15- 

Cemetery Companies — no blast- 
ing 70 1.25 (b) 

Chair Seats Mfrs. (from prepared 

fibre only) 59 1.25 .03 

Charcoal Dealers (no furnaces) . . .70 1.00 .10 

Cider Mfrs 70 1.00 .03 

Circular Loom Mfrs. (flexible 

piping for electric wires) 49 1.00 .03 

Cleaners and Dyers 70 1.00 .10 

Coal Billet and Briquette Mfrs... .91 1.50 .10 

Coal Merchants — receiving or 
shipping by water or by land 

and water 2.80 4.00 .60 

Coal Merchants — receiving or 


133 


V 


MISCELLANEOUS SCHEDULE— RATES.— Continued. 

Classification. EX. Coll. PX. 

shipping by land but not by 

water 1.40 1.50 .60 

Cocoa Fibre Mfrs 1.00 1.25 .03 

Cocoanut Shredding and Drying. . 1.00 1.00 .03 

Coffee Manipulators or Cleaners 

(not grinders or roasters) ... .35 1.25 .03 

Coffee Roasters and Grinders 35 1.25 .03 

Compressed Food Mfrs. (tablet 

form only) 59 1.25 .03 

Cord and Twine Mfrs. (not cord- 
age) 2.10 1.25 .05 

Cordage Mfrs 2.10 1.25 .05 

Cotton Compressing and Ginning 1.40 1.50 .05 

Cotton Packing for Steam Engines 

Mfrs 49 1.00 .03 

Crayon Mfrs 49 1.00 .03 

Creamery and Dairy Supplies 

Mfrs 1.00 1.25 .05 

Crematories — operating 1.05 1.25 .25 

Culm (slack or coal refuse) 

Washing 84 1.25 .03 

Curled Hair Mfrs 1.00 1.00 .03 

Degreasing skins, being a process 
of removing grease from 
skins, both tanned and un- 
tanned by means of a naph- 
tha medium 2.80 4.00 .03 

Dextrine Mfrs. (no starch mfg.) . . 1.00 1.75 .10 

Diamond Cutters and Setters 1.00 1.75 .03 

Distilling 1.05 1.50 .10 


134 








✓ 






N 

























MISCELLANEOUS SCHEDULE— RATES— Continued. 


Classification. 

Draughtsmen — see Clerical Office 
Employees. 

Dry Battery Mfrs., including zinc 
containers and metal parts, 

E.L. 

Coll. 

px. 

with stamping, if any 

Dry Battery Mfrs., not making 

1.40 

2.00 

.10 

zinc containers or metal parts 

.70 

1.50 

.05 

Dyers and Cleaners 

.70 

1.00 

.10 

Egg Drying 

Electric Insulators, Lava Tips, and 

1.00 

1.00 

.03 

Slate Pencil Mfrs 

.49 

1.25 

.03 ! 

Elevated Railroad 

4.20 

2.50 

(a) 

Emery Cloth Mfrs 

.49 

1.25 

.03 

Emery Wheel Mfrs 

1.00 

2.00 

.10 

Enamel Cloth Mfrs 

.70 

1.25 

.03 

Enamellers 

Express Companies - — including 

.49 

1.00 

.03 


loading and unloading opera- 
tions, but excluding accidents 
caused by horses and vehicles 


(no contract liability) 

.59 

1.00 

§.50 

Eyeglass and Spectacle Mfrs 

.35 

1.00 

.03 

Farm Laborers — no blasting 

.70 

2.00 

.10 

Fertilizer Mfrs. (no reduction of 




garbage or offal) 

1.40 

1.50 

.10 

Fibre Mfrs. — for mats and mat- 




ting 

1.00 

1.25 

.03 


Fireproof Door and Shutter Mfrs. 


§The Public Liability should be restricted to places where the goods 
are received only, excluding accidents by railroads, horses, and 
vehicles. 


135 






MISCELLANEOUS SCHEDULE— RATES.— Continued. 


Classification. E.L. Coll. ~P.li. 

(wood covered with sheet 

metal) 1.26 2.50 .10 

Fireworks Mfrs. (no exhibition 

work) 7.00 4.00 2.00 

Fish Curers, Packers, and Dealers 
(no vessel hazard or ice har- 
vesting) 49 1.00 .03 

Fishing Tackle Mfrs 59 1.00 .03 

Florists — cultivating and garden- 
ing (not to cover away from 

insured’s premises) 35 1.00 .10 

Fountain Pen Mfrs 35 1.00 .03 

Fruit Evaporators 1.05 1.00 .03 

Fruit (dried) Packers — not fruit 
evaporators (excluding box 

factories) 35 1.00 .03 

Fur Mfrs. (preparing skins) 56 1.00 .03 

Fuse Mfrs 7.00 4.00 2.00 

Garbage Works — (reduction or 
incineration of garbage or 

offal) 2.10 1.50 .10 

Garbage Collectors — Refuse and 
Ashes (not using teams nor 
employed in garbage reduction 

or fertilizer plants) 70 1.50 .10 

Gas Works — operating of gas 
house, maintenance of existing 
works and mains, and making 
of house connections. (Em : 
ployers’ Liability rate in- 

136 



















. 







































































































































. 














































































MISCELLANEOUS SCHEDULE— RATES —Continued. 


Classification. E.L. Coll. PX. 

eludes, Public Liability rate 
excludes, gas explosion, in- 
halation, or asphyxiation)... 1.05 1.00 1.50 

Gas Works — operating of gas 
house, maintenance of existing 
works and mains, and making 
of house connections. (Em- 
ployers’ Liability and Public 
Liability rates include gas ex- 
plosion, inhalation, or asphyx- 


iation) 1.05 1.50 4.50 

Gelatine Mfrs 1.26 1.00 .03 

Gilding and Electroplating 49 1.00 .03 

Glucose Mfrs 2.80 1.75 .10 

Glue Mfrs 1.26 1.00 .03 

Gold Platers 49 1.00 .03 

Graphite Mfrs. (not Mfrs. of artifi- 
cial graphite, for which see 

Ore Reduction Schedule) 49 1.25 .03 

Hair Goods Mfrs. — not otherwise 

classified 1.00 2.00 .03 

Hair (Human) Goods, Mfrs 56 2.00 .03 

Horse Dealers — including exhibi- 
tions and delivery of horses. . 1.40 2.00 4.00 

Ice (artificial) Mfrs 1.68 1.80 .50 

Ice Companies — harvesting and 

storing 3.50 1.80 .15 

Ice Dealers (no harvesting) 1.40 1.80 .50 

Incandescent Lamp Mfrs 49 1.25 .03 

Ink (printing) Mfrs 70 1.25 .03 


137 



MISCELLANEOUS SCHEDULE— RATES —Continued. 

Classification. EX. Coll. 

Ink (writing) Mfrs 70 1.00 

Irrigation Plant — operating only 

(no construction work) 84 1.50 

Irrigation Works, operating and 
maintenance, including ordi- 
nary extension of laterals. . . . 2.10 2.00 

Isinglass (fish glue) Mfrs 1.26 1.00 

Isinglass (mica) Mfrs 35 1.00 

Ivory Turners 49 1.25 

Japanning Shops 70 1.00 

Lamp Black Mfrs 35 1.00 

Lapidaries 21 1.00 

Laundries 1.40 1.50 

Laundry — no machinery, doing 

hand work exclusively 42 1.00 

Lead (black) Mfrs 49 1.25 

Lens Mfrs 35 1.00 

Linoleum and Cork Carpet Mfrs.. .70 1.25 

Livery and Boarding Stables, 
within the building walls only 

(not selling) 1.05 1.75 

Lumber Dealers, Coal Merchants, 

Building and other material 
dealers, receiving or shipping 
by water or by land and 

water 2.80 4.00 

Lumber Dealers, Coal Merchants, 

Building and other material 
dealers, receiving or shipping 
by land but not by water. ... 1.40 1.50 


138 











MISCELLANEOUS SCHEDULE— RATES.— Continued. 


Classification. E.L. Coll. PX. 

Mailing and Addressing Com- 
panies 21 1.00 .03 

Match Mfrs. (excluding lumber- 
ing and saw mill operations). .70 1.50 .03 

Metal Polish Mfrs. (no can mfg.) .49 1.00 .03 

Mica — preparation of, for electri- 
cal insulation 35 1.00 .03 

Military Goods Mfrs. (no metal 

stamping) 49 1.00 .03 

Milk, powdered, Mfrs 49 1.00 .05 

Mirror Mfrs. — silvering and bevel- 
ing only 35 1.50 .03 

Molasses and Syrup Mfrs 1.00 1.75 .10 

Moving Pictures — Employees in 
buildings, yards, or outside, 
representing scenes for mov- 
ing pictures (not operating 

moving picture shows) 1.40 1.50 .25 

Mucilage Mfrs 1.26 1.00 .03 

Mustard Mills 35 1.25 .03 

News Agents (same Classifica- 
tion and Rates as Express 

Companies) 59 1.00 §.50 

Nickel Platers and Finishers 49 1.00 .03 

Nurserymen (not to cover away 

from insured’s premises) 35 1.00 .10 

Nuts — handling, cleaning, and 

shelling 35 1.25 .03 

§The Public Liability should be restricted to places where the goods 
are received only, excluding accidents by railroads, horses, and 
vehicles. 


139 



MISCELLANEOUS SCHEDULE— RATES.— Continued. 

Classification. EX. Coll. PX. 

Oakum Mfrs 1.00 1.00 .03 

Oil Cloth (all kinds) Mfrs 70 1.25 .03 

Oil Distributing Companies 70 1.50 .05 

Omnibus Companies (inside sta- 
ble walls only) (not selling) . 1.05 1.25 .50 

Optical Goods Mfrs 35 1.00 .03 

Painters (in shop) 49 1.00 .10 

Paste Mfrs 35 1.00 .03 

Peanut handling, cleaning, sorting 

and storing 35 1.25 .03 

Phonograph Record Mfrs 35 1.00 .03 

Phosphate Works (no mining).. 1.40 1.50 .10 

Photographers — outside work — 

(not producing moving pic- 
tures) 1.40 1.50 .25 

Photographic Sensitive Films and 
Dry Plates (manufacturing 
and development of negatives 

only) 35 1.00 .03 

Photographic Supplies Mfrs 24 1.00 .03 

Pickle Mfrs 1.05 1.00 .03 

Piping, flexible, for interior work 
in buildings to carry electric 

wires — Mfrs 56 1.00 .03 

Plasterers — modeling, ornamental 

plasterers (shop only) 49 1.00 .10 

Plow Mfrs 1.00 1.20 .05 

Pneumatic Tube Companies — 

operation only 49 1.25 .10 

Poultry Food Mfrs 1.26 1.00 .10 


140 







MISCELLANEOUS SCHEDULE— RATES —Continued. 


Classification. EX. 

Printers’ Rollers Mfrs 59 

Produce Dealers — Buying, pack- 
ing or otherwise preparing for 
shipment and transportation 
to centers for distribution, 
general produce, using stores 
or buildings temporarily for 
receiving, packing, and ship- 
ping, but operating no ware- 
houses and employing no 
means of transportation ex- 
cept teams (Teams should be 
written under separate pol- 


Coll. PX. 

1.00 .03 


icy at Manual) 

84 

1.50 

.12 

Quill Toothpick Mfrs 

35 

1.00 

.04 

Railroad Hazard — Mfrs. 

and 



Contractors’ risk 

10.50 

6.00 

(a) 


Railroad — steam, operation of 
same, including ordinary main- 
tenance and repair of roadbed. 

Such roads when not more 
than 50 miles long, when used 
for transportation of passen- 
gers and freight, and when 
operated with grades not to 
exceed 100 feet to the mile, 
should be written for Employ- 
ers’ Liability only, the pay 
roll to include all employees, 

including office men 10.50 6.00 (a) 

141 




MISCELLANEOUS SCHEDULE— RATES.— Continued. 


Classification. EX. Coll. PX. 

Roofing, Felt Mfrs. (not paper).. 1.05 1.25 .03 

Rope Mfrs * 2.10 1.25 .05 

Sales Stables — including exhibi- 
tion and delivery of horses. . . 1.40 2.00 4.00 

Salt Mfrs. (not mining nor sink- 
ing wells) 70 1.25 .10 

Shoe and Harness Blacking Mfrs. .49 1.00 .05 

Silver Platers 49 1.00 .03 

Size Mfrs 1.26 1.00 .03 

Spice Mills 35 1.25 .03 

Sporting Goods Mfrs 49 1.00 .03 

Stablemen, inside stable walls 

only (not selling) 1.05 1.75 .50 

Starch Mfrs 2.80 1.75 .10 

Steam Heating or Power Com- 
panies (no electricity or con- 
struction — operation of plant 

only) 1.05 1.50 .25 

Stones, Precious— cutting, setting, 
and polishing (see Lapida- 
ries). 

Storage Yards for wagons and 
trucks (see Stablemen). 

Stove Polish Mfrs 49 1.25 .03 

Street Railroad Companies — cable 4.20 1.50 (a) 

Street Railroad Companies — elec- 
tric, all systems, not inter- 

urban 4.20 1.50 (a) 

Street Railroad Companies (dum- 
my engines) 4.20 2.50 (a) 


142 









































































• 

























































« 



• 






























MISCELLANEOUS SCHEDULE— RATES.— Continued. 




Classification. 

Street Railroad Companies (elec- 
tric) interurban 

Sugar Refiners — including all in- 
cidental work (not glucose) . . 
Surveying and Inspecting Engi- 
neer Work, ^including sharp- 
ening of stakes and other shop 
work incident to surveying 
and inspection of construction 
operations (no actual con- 
struction operations of any 
description and no supervis- 
ing or superintending of con- 
struction operations). Not 
available for division of pay 

roll 

Syphons and Mineral Water Bot- 
tles. Public Liability only — 
25c. per 1,000 fillings. 

Tar Mfrs 

Thermometers — Clinical (no glass 
manufacturing or metal work- 

ing) • 

Tin Plate Decorating (no frame 

making or framing) 

Tortoise Shell Goods Mfrs., from 
natural tortoise shell exclu- 
sively 

Towel and Toilet articles Dis- 


EX. Coll. P.L. 

4.20 2.50 (a) 

1.00 1.75 .10 


1.40 

• •- • 

.25 

1.40 

1.25 

.03 

.28 

1.00 

.03 

.77 

1.00 

.03 

.49 

1.00 

.03 


143 









































MISCELLANEOUS SCHEDULERS ATES-Continued. 


Classification. E.L. Coll. P.L. 

tributing, excluding laundry 

and teams hazard 70 1.25 .25; 

Twine and Cord Mfrs. (not cord- 
age) 2.10 1.25 .05 

Undertakers 35 1.00 .03 

Upholsterers (not furniture or cab- 
inet makers) 21 1.00 .03 j 

Vinegar Mfrs 70 1.00 .03 

Water Works — (operating only 

— no construction work) 84 1.50 .60 

Welsbach Incandescent Mantel 

Mfrs 35 1.00 .03 

Whalebone Goods Mfrs 49 1.25 .03 

Whip- Mfrs 49 1.00 .03 

Window Curtain Roller Mfrs 70 1.25 .03 

Wine Mfrs 70 1.25 .05 

Wire Insulation for Electrical 

Purposes 1.00 1.00 .05 

Wood Preserving and Fireproof- 
ing 2.10 2.00 .10 






144 


























■ 




















































* 






















OILS, ETC., SCHEDULE— RECOMMENDATIONS. 

Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — All classifications, Rate “ C.” 

Read General Recommendations. 

OILS, ETC., SCHEDULE— RATES. 


Classification. EX. Coll. PX. 

Axle Grease Mfrs 91 1.50 .05 

Butter and Butterine Mfrs 91 1.00 .05 

Candle Mfrs 91 1.25 .05 

Castor Oil Mfrs 91 1.50 .05 

Cheese Mfrs .91 1.25 .05 

Cod Liver Oil Mfrs 91 1.50 .05 

Cold Cream Mfrs 91 1.00 .05 

Condensed Milk Mfrs 91 1.25 .05 

Cottolene Mfrs 91 1.00 .05 

Cottonseed Oil Mfrs. — including 

refining 6.30 2.60 .05 

Cottonseed Oil Refiners (refining 
only, no manufacturing or ex- 
pressing of oil) 1.26 1.25 .05 


145 



OILS, ETC., SCHEDULE— RATES —Continued. 


Classification. 

EX. 

Coll. 

PX. 

•[•Creameries 

.91 

1.25 

.05 

•[•Dairies 

.91 

1.25 

.05 

Fat Rendering (see Grease Mfrs.). 




Gasoline Mfrs. 

2.10 

2.00 

.25 

Glycerine Mfrs 

.91 

1.25 

.05 

Grease Mfrs 

.91 

1.50 

.05 

Lard Refiners 

.91 

1.50 

.05 

Linseed Oil Mfrs 

1.26 

1.25 

.05 

Oil Cake Mfrs 

1.26 

1.50 

.05 

Oil (petroleum) Refiners (not 




gasoline) 

1.26 

1.50 

.05 

Oil (fish) Mfrs 

.91 

1.50 

.05 

Oil (lard) Mfrs 

.91 

1.50 

.05 

Oil (tallow) Mfrs 

.91 

1.50 

.05 

Oil (vegetable) Mfrs 

.91 

1.50 

.05 

Oleomargerine Mfrs 

.91 

1.00 

.05 

Pearline Mfrs 

1.26 

1.25 

.05 

Soap and Soapine Mfrs 

1.26 

1.25 

.05 

Tallow Chandlers 

.91 

1.25 

.05 

Wax Mfrs 

.70 

1.25 

.05 


, tMinimum Premium $10.00 on each Creamery or Dairy where 
lore than one covered by policy. 


146 





























































. > 















• 



































ORE REDUCTION AND CONCENTRATION 
SCHEDULE— RECOMMENDATIONS. 


Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — Blast Furnaces, Carbide of 
Calcium Mfrs. Carborundum Mfrs. Graph- 
ite and Pure Carbon (artificial) Mfrs. and 
Iron Smelters, Rate “ B.” All other classi- 
fications, Rate “ C.” 

Read General Recommendations. 

ORE REDUCTION AND CONCENTRATION 
SCHEDULE— RATES. 


Classification. 

E.L. 

Coll. 

r.L. 

Aluminum Smelting 

1.05 

2.50 

.10 

Blast Furnaces 

3.50 

2.50 

.10 

Carbide of Calcium Mfrs 

1.40 

2.50 

.10 

Carborundum Mfrs 

1.40 

2.50 

.10 

Charcoal Mfrs 

1.05 

1.25 

.10 

Coke Burners 

1.40 

1.25 

.10 

Copper Refiners (no ore reduc- 




tion) 

1.05 

1.25 

.10 


147 



ORE REDUCTION, ETC., SCHEDULE— RATES.— Continued. 


Classification. 

EX. 

Coll. 

PX. 

Copper Smelters 

1.05 

2.50 

.10 

Gold Reduction 

1.05 

2.00 

.10 

Gold Refiners (no ore reduction) 

1.05 

1.25 

.10 

Gold Smelters 

Graphite and Pure Carbon (artifi- 

1.05 

2.50 

.10 

ficial) Mfrs 

2.10 

2.50 

.10 

Iron Smelters 

3.50 

2.50 

.10 

Lead Smelters 

1.05 

2.50 

.10 

Nickel Matte 

1.05 

1.25 

.10 

Ore Crushers 

Ores — concentrating and amalga- 

1.05 

2.00 

.10 

mating of 

1.05 

2.00 

.10 

Quartz Mills 

1.05 

2.00 

.10 

Silver Reduction 

1.05 

2.00 

.10 

Silver Refiners (no ore reduction) 

1.05 

1.25 

.10 

Silver Smelters 

1.05 

2.00 

.10 

Smelters (not otherwise classified) 

1.05 

2.50 

.10 

Tin Smelters 

1.05 

2.50 

.10 

Zinc Smelters 

1.05 

2.50 

.10 


148 



































PAPER SCHEDULE— RECOMMENDATIONS. 

Minimum Premium— For E.L. only, or E.L. I 
and P.L., or E.L., P.L., and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — All classifications rated at 
$1.00 E.L. or over, Rate “ C.” All other 
classifications, Rate “ D.” 

Read General Recommendations. 


PAPER SCHEDULE— RATES. 

Classification. EX. 

Coll. 

PX. 

Bag Mfrs. : 

Paper Only — no paper making. . 

.70 

1.25 

.03 

Paper only — with paper making. 

1.12 

1.50 

.05 

Bond Paper Mfrs. (as writing 
Paper). 

Box Mfrs. : 

Mfrs. of Folding Paper Boxes 
only — no paper making 

.70 

1.25 

.03 

With paper making 

1.12 

1.50 

.05 

Mfrs. of Solid Paper Boxes — no 
paper making 

1.12 

1.50 

.03 

With paper making 

1.68 

1.50 

.05 


149 





PAPER SCHEDULE— RATES.— Continued. 


Classification. 

E.L. 

Coll. 

p.ii. 

Bristol Board Mfrs. (as Card- 

board). 

Building and Roofing Paper Mfrs. 
— no paper making 

.84 

1.25 

.05 

Carbon Paper Mfrs. — no paper 

making 

.42 

1.00 

.03 

Carpet Lining and Pads Mfrs. — 

no paper making 

.49 

1.25 

.03 

Card Board Mfrs. — no pulp mill. . 

1.12 

1.50 

.05 


With pulp mill (as Pulp and 
Paper Mfrs.). 

Check Mfrs. (as Tag, Check or 
Label). 

Cigarette Paper Mfrs. (as Paper 
Mfrs.). 

Cork Paper Mfrs. — no paper manu- 
facturing 49 1.25 .03 

Corrugated Paper Mfrs. (as Paper 
Mfrs.). 

Dress Pattern Mfrs. : 

Paper only — including design- 
ers, draughtsmen, cutters, and 
all clerical force — no paper 


making 42 1.00 .03 

Envelope Mfrs. (as Stationery). 

Fiber Goods Mfrs.— no fiber 

making 49 1.25 .03 

Fly Paper Mfrs. no paper 

making 42 1.25 .03 


150 



PAPER SCHEDULE— RATES.— Continued. 


Classification. E.li. Coll. 

Imitation Leather Mfrs. (as Wall 
Paper Mfrs.). 

Indurated Fiber Mfrs. (as Pulp 
and Paper Mfrs.). 

Label Mfrs. (as Tag, Check or 
Label Mfrs.). 

Lace and Ornamental Paper Mfrs. 

— no paper making 42 1.00 

Ledger Paper Mfrs. (as Writing 
Paper Mfrs.). 

Music Rolls, for Piano Players 
(perforated paper) Mfrs. — no 


paper making 42 1.00 

Oiled, Paraffined or Waxed Paper 

Mfrs. — no paper making 49 1.25 


Paper Mfrs. (all kinds except 
writing paper and card 
board) — 


No saw or barking mills, and 
no sulphite or other fibrous 


pulp making 

1.40 

1.50 

With saw or barking mills, but 
no sulphite or other fibrous 
pulp making 

1.75 

2.00 

Paper and Pulp Mfrs. (as pulp and 
Paper Mfrs.). 

Paper Board Mfrs. — no pulp mill. 

1.12 

2.00 

With pulp mill (as Pulp and 
Paper Mfrs.). 

Paper Coating and Finishing 

.49 

1.25 


151 


« 


PAPER SCHEDULE— RATES.— Continued. 


Classification. 

EX. 

Coll. 

PX. j 

Paper Cutting for packing pur- 
poses . 

.49 

1.25 

.03 

Papier Mache Goods Mfrs. — no 
paper or wood pulp making. . 

.49 

1.25 

.03 

Playing Cards Mfrs. — no paper or 
cardboard making 

.49 

1.25 

.03 

Pulp and Paper Mfrs. — 

No saw or barking mills, and 
no sulphite or other fibrous 
pulp making 

1.40 

1.50 

.05 

With saw or barking mills, but 
no sulphite or other fibrous 
pulp making 

1.75 

2.00 

.10 

Pulp Liquor Mfrs. — treatment of 
Pulp Mill Waste for commer- 
cial use as road binder and sat- 
urator (should not be avail- 
able to Pulp Mfrs.) 

.70 

1.50 

.05 

Pulp Mills — 

Ground wood pulp only, from 
“pulp wood” to “lap,” no saw 
or barking mills 

1.40 

1.50 

! 

.05 ! 

Ground wood pulp only, includ- 
ing saw or barking mills 

1.75 

2.00 

.10 

Sulphite or other fibrous pulp 
processes, with saw and bark- 
ing mills, if any 

2.45 

2.50 

.10 

Sand Paper Mfrs. — no paper mak- 
ing 

.49 

1.25 

.03 


152 










PAPER SCHEDULE— RATES.— Continued. 


Classification. 

Stationery Mfrs. — no paper mak- 
ing 

Straw Board Mfrs. (as Pulp and 
Paper Mfrs.). 

Tag, Check or Label Mfrs. — Paper 
or Cardboard only — no paper 
making 

Tissue Paper Mfrs. — not toilet 
paper — (as Pulp and Paper 
Mfrs.). 

Toilet Paper Mfrs. (as Pulp and 
Paper Mfrs.). 

Wall Paper Mfrs. — paper making 
only (as Pulp and Paper 
Mfrs.). 

Printing and finishing only — no 
paper making 

Writing Paper Mfrs 


EX. 

Coll. 

PX. 

.42 

1.00 

.03 

.42 

1.00 

.03 


.49 1.25 .03 
1.12 1.50 .05 


153 



' 




























































POTTERY AND GLASS SCHEDULE — 
RECOMMENDATIONS- 

Minimum Premium —For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — All classifications rated at 
$1.00 E.L. or over, Rate “ C.” All other 
classifications, Rate “ D.” 

Read General Recommendations. 


POTTERY AND GLASS SCHEDULE— RATES. 


Classification. E.L. 

Bottle Mfrs 28 


Brick Mfrs., including construc- 
* tion and reconstruction of 
sheds and kilns if done by as- 
sured’s employees, also includ- 
ing clay digging and quarry- 
ing (no underground mining) 1.40 
Brick Mfrs., including construc- 
tion and reconstruction of 
• sheds and kilns if done by as- 
sured’s employees, also in- 
cluding underground mining. 2.10 
154 


Coll. P.L. 

1.25 .03 


1.50 .10 


2.00 .101 





POTTERY AND GLASS SCHEDULES— RATES.— Continued. 


Classification. 

Cathedral and Art Glass Window 
Mfrs., with or without glass 

EX. 

Coll. 

PX. 

making 

.35 

1.25 

.03 

China Mfrs 

China Decorators — Hand work 

.28 

1.00 

.03 

only, including firing, no mfg. 

.21 

1.00 

.03 


Concrete Hollow Blocks (see Pot- 
teries, tiling, gas retorts, 
sewer and drain pipes). 

Doll (bisque or china) Mfrs 28 1.00 .03 

Earthenware (tiling, gas retorts, 
sewer pipe, and drain pipe) 

Mfrs. (no underground min- 

ing) 1.40 1.50 .10 

Earthenware (tiling, gas retorts, 
sewer pipe and drain pipe) 

Mfrs. (including underground 


mining) 

2.10 

2.00 

.10 

Earthenware (household utensils 




and art objects) Mfrs 

.28 

1.00 

.03 

Fire Clay Products Mfrs. (no un- 




derground mining) 

1.40 

1.50 

.10 

Fire Clay Products Mfrs. (includ- 




ing underground mining) .... 

2.10 

2.00 

.10 

Glass (plate or window) Mfrs. (no 




quarrying or excavating) .... 

.56 

1.50 

.03 

Glass Mfrs. (no plate or window 




glass manufacturing) 

.28 

1.25 

.03 

Glass (cut) Mfrs 

.28 

1.25 

.03 


155 
















. 











































































. 







POTTERY AND GLASS SCHEDULES— RATES.— Continued. 


Classification. EX. Coll. PX. 

Glass Eye Mfrs 28 1.00 .03 

Glass Sign Mfrs. (no glass mak- 
ing) 28 1.00 .03 

Marl Mfrs. (including digging, 
hauling, drying, and grind- 
ing) 1.40 1.50 .10 

Mirror Mfrs. — no glass making. . .35 1.50 , .03 

Peat Fuel Mfrs 1.40 1.50 .10 

Pipe — Clay (tobacco) Mfrs 28 1.00 .03 

Plate or Window Glass Mfrs. (no 

quarrying or excavating) 56 1.50 .03 

Porcelain Ware Mfrs 28 1.00 .03 

Potteries — flower pots, art and 
household utensils only (no 
sewer or drain pipe, no mining 

or excavating) 28 1.00 .03 

Potteries (tiling, gas retorts, 
sewer and drain pipes) Mfrs. 

(no underground mining) ... . 1.40 1.50 .10 

Potteries (tiling, gas retorts, 
sewer and drain pipes) Mfrs. 

(including underground min- 
ing) 2.10 2.00 .10 

Stone China Mfrs 28 1.00 .03 

Terra Cotta Mfrs. (art terra cotta 
for decorative purposes, no 

mining or excavating) 28 1.00 .03 

Terra Cotta Mfrs. (no under- 
ground mining) 1.40 1.50 .10 


156 


























































v 














































































POTTERY AND GLASS SCHEDULE— RATES.— Cont. 


Classification. 

Terra Cotta Mfrs. (including un- 

EX. 

Coll. 

PX. 

derground mining) 

Tile (for decorative purposes) 
Mfrs. (no mining or excavat- 

2.10 

2.00 

.10 

ing) 

Tile (roof and drainage) Mfrs. 

.28 

1.00 

.03 

(no underground mining) .... 
Tile (roof and drainage) Mfrs. 
(including underground min- 

1.40 

1.50 

.10 

ing) 

2.10 

2.00 

.10 


157 























































































































PRINTING SCHEDULE— RECOMMENDATIONS. 


Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P. L., and Teams, $25.00 
The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — All classifications, Rate “ D.” 

Read General Recommendations. 

PRINTING SCHEDULE— RATES. 

Classification. E.L. Coll. P.jL. 

Artists, Designers, Proof-readers, 

Editors, Reporters, Advertis- 
ing and Circulation Solicitors 
and Clerical Office Force — 

Classification should be avail- 
able for division of pay roll 


in this schedule only 14 .60 .03 

Bookbinders 35 1.00 .03 

Electrotypers 35 1.00 .03 

Engravers 35 1.00 .03 

Hand Printers .35 .60 .03 

Lithographers 35 1.00 .03 

Newspaper Offices 35 1.00 .03 

. Printers — hand 35 .60 .03 

Printers — steam 35 1.00 .03 

Publishers 35 1.00 .03 


158 









































1 


I 


RUBBER AND COMPOSITION GOODS 
SCHEDULE— RECOMMENDATIONS. 

Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers* 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — All classifications rated at 
$1.25 or over, Rate “ C.” All other clas- 
sifications, Rate “ D.” 

Read General Recommendations. 


RUBBER AND COMPOSITION GOODS 
SCHEDULE— RATES. 


Classification. 

EX. 

Coll. 

PX. 

Button (celluloid) Mfrs 

2.03 

2.50 

.15 

Celluloid Mfrs 

2.03 

2.50 

.15 

Comb (hard rubber — no celluloid) 
Mfrs 

.70 

1.00 

.03 

Composition Goods containing 
celluloid 

2.03 

2.50 

.15 

Corraline Mfrs 

2.03 

2.50 

.15 

Fibroid Mfrs 

2.03 

2.50 

.15 

Gutta-Percha Mfrs 

.70 

1.00 

.03 

Lignoid Mfrs 

2.03 

2.50 

.15 


159 














# * 



































# 
































* 



































RUBBER, ETC., GOODS SCHEDULE— RATES.— Continued. 


Classification. EX. Coll. PX. 

Rubber Belting Mfrs 70 1.00 .03 

Rubber Boot and Shoe Mfrs. .... .70 1.00 .03 

Rubber Cement Mfrs 70 1.00 .03 

Rubber Mfrs 70 1.00 .03 

Rubber Garments Mfrs 70 1.00 .03 

Rubber Reclaiming Operations, in- 
cluding loading and unloading 
materials and products to and 

from cars and wagon 1.75 2.00 .03 

Rubber Stamp Mfrs 70 1.00 .03 

Rubber Tire Mfrs 70 1.00 .03 

Vulcanized Rubber Mfrs 70 1.00 .03 

Waterproofing Cloth 70 1.00 .03 


160 











































































t 













STEVEDORE SCHEDULE- 
RECOMMENDATIONS. 

Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $50.00. 

Limit Table. — All classifications, Rate “ D.” 

Additional Interest. — It is recommended 
that policies issued upon stevedores under 
this schedule may be extended to cover 
a named steamship company, employing 
such stevedores, the insurance being lim- 
ited to the care and defence of suits and 
to the payment of premium upon forth- 
coming bonds, in the event of libel. The 
undertaking should be limited to injuries 
resulting solely from the operations of the 
stevedore covered by the policy, and the 
policy should contain no obligation to 
pay any resulting judgment against the 
steamship company. Additional rate for 
this coverage on both E.L. and P.L. 
policies should be 25% of the Manual 
rates for the classification involved. 

If, in addition to the extension described 
above, the policy should be further extended 
to cover the payment of judgment against 
the steamship company, within the limit of 
the policy, additional rate for such cover- 
age on E.L. and P.L. policies should be 
50% of the Manual rates applicable to 
the classification involved. 


161 



STEVEDORE SCHEDULE— RECOMMENDATIONS— Cont. 

The foregoing recommendation is only 
available when the policy of the stevedore 
is carried in this Company. 

Read General Recommendations. 


STEVEDORE SCHEDULE— RATES. 


Classification. 

Grain Elevators — Floating (oper- 

E.L. 

Coll. 

P.L. 

ating only) 

Steamship Agents — Wharf Em- 
ployees (clerks and tallymen 
only when all stevedore work 

2.80 

2.35 

.40 

is let out by contract) 

Steamship Agents — Wharf Em- 
ployees (clerks and tallymen 
only when stevedoring work is 

.25 

1.00 

.15 

done by insured) 

Steamship Agents — Wharf Em- 
ployees (stevedores and 

.25 

1.00 

.40 

freight handlers) 

Stevedores dr Lumpers — handling 
general freight, seagoing and 

2.80 

4.00 

.40 

lake vessels 

Stevedores or Lumpers — handling 
ore and coal or either of them 

2.80 

4.00 

.40 

exclusively 

Stevedores or Lumpers — river and 

2.80 

4.00 

.40 

sound steamers 

Weighers on Docks (when no 
stevedore work is done by in- 

2.80 

4.00 

.40 

sured) 

1.26 

1.50 

.15 


162 






STONE SCHEDULE— RECOMMENDATIONS. 

Minimum Premium— For all risks in this 
schedule involving any quarry work, for 
E.L. only or E.L. and P.L., $50.00. For 
all other classifications, for E.L. only or 
E.L. and P.L., or E.L., P.L., and Teams, 
$25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — All classifications rated at 
$2.50 or over, Rate “ B.” All other clas- 
sifications, Rate “ C.” 

Pay Roll. — All men employed in or about any 
quarry, or quarry operations, including 
foremen, teamsters, scabblers, drillers and 
laborers (not stone cutting), as well as all 
concerned in blasting operations, should be 
included in the pay roll and at the full rate. 

Blasting. — All rates in this schedule include 
blasting, if any. 

Read General Recommendations. 


1 63 


t 


STONE SCHEDULE— RATES. 


Classification. E.li. Coll. P.L,. 

Adamant Plaster Mfrs. (no quar- 
rying) 1.40 1.50 .10 

Barytes Mfrs. (no quarrying).... 1.05 1.50 .lOj 

Cement Mfrs. (no quarrying) . . . 2.80 1.50 .25 

Cement Mfg. and quarrying with 

or without blasting 2.80 1.50 .25 

Cement, Slate, or Lime Quarries, 

with or without blasting 4.20 2.50 .50 

Emery Works — crushing and 

grinding only (no quarrying) . 1.05 1.50 .10 

Flint and Spar Grinders (no quar- 
rying) 1.05 1.50 .10 

Grindstone Mfrs. (no quarrying). 1.05 1.50 .10 

Hone and Oil Stone Mfrs 1.05 1.50 .10 

Lime Burners (no quarrying) .... 1.05 1.50 .10 

Lime Quarries with or without 

blasting 4.20 2.50 .50 j 

Lime Quarries with or without 
blasting, including stone 

crushing 3.50 2.00 .25 ] 

Lithographic Stone Mfrs. (no 

quarrying) 1.05 1.50 .10 

Lithoid Mfrs. (no quarrying) ... 1.05 1.50 .10 

Mantel (marble or slate) Mfrs. (no 

quarrying) 1.05 1.50 .10 

Marble Cutters and Polishers (no 

quarrying) 1.05 1.50 .10 

Millstone Mfrs. (no quarrying).. 1.05 1.50 .10 

Mortar Mfrs. (no quarrying) .... 1.40 1.50 10 


164 



STONE SCHEDULE— RATES.— Continued. 


Classification. EX. Coll. PX. 

Oolitic, Indiana Blue and In- 
diana Buff, Lime Stone quar- 
rying, stone to be used for 
building or monumental pur- 
poses exclusively, no blasting 3.36 2.00 .04 

Plaster Mills (no quarrying) 1.40 1.50 .10 

Plaster Mixing or Staff Mfrs., mix- 
ing dry plaster with hair, no 

crushing or grinding 1.00 1.50 .10 

Quarries, with or without blast- 
ing. Bluestone, granite, or 
marble for monumental or 
building purposes (no quar- 
rying for dam or bridge 

work) 2.80 2.00 .25 

Quarries (not lime or cement) 
with or without blasting (not 

otherwise classified) 4.20 2.50 .50 

Sewer Pipe Mfrs. (reinforced con- 
crete only), including all men 
on ground engaged in manu- 
facturing, no laying of pipes. 1.40 1.50 .10 

Silica Grinding (no quarrying).. 1.05 1.50 .10 

Slag, Excavation of, and loading 
on cars, with or without blast- 
ing 4.20 2.50 .50 

Slate Mfrs. (no quarrying) 1.05 1.50 .10 

Slate Quarries — with or without 

blasting 4.20 2.50 .50 

Soapstone Mfrs. (no quarrying) . . 1.05 1.50 .10 

165 































STONE SCHEDULE— RATES.— Continued. 


Classification. 

EX. 

Coll. 

PX 

Stone Crushers (not lime stone) 




including quarrying, with or 




without blasting 

3.50 

2.00 

.25 

Stone Crushers (no quarrying) . . . 

2.80 

1.50 

.25 


Stone Yard (no quarrying) includ- 
ing stone fitters sent out from 
yard to fit cut stones properly 
on job (no setting of stone). 

If employees sent out from 
stone yards to fit cut stones 
properly on job, also set the 
stones, the entire pay roll of 
such fitters and setters should 
be included under and rated 
the same as “Marble and 
Stone Setters” — see Contrac- 
tors’ Schedule 1.05 1.50 .10 ' 

Talc Mills (no quarrying) 2.80 1.50 .10 


166 

































































































































































































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TEAMS SCHEDULE— RECOMMENDATIONS. 

All rates for teams’ insurance given in the 
schedule include the loading and unloading 
hazard, except classifications marked with 
an asterisk (*), which do not cover loading 
and unloading. For these classifications the 
hazard of loading and unloading should be cov- 
ered by Employers’ and Public Liability Poli- 
cies based upon the full pay roll of the drivers 
and their helpers (whether permanent or tem- 
porary) at the rates given for the classification 
involved in the Contractors’ Schedule. Poli- 
cies in these particular classifications should be 
specifically endorsed to exclude the loading and 
unloading hazard. All other policies should in- 
clude the loading and unloading hazard, and no 
discount should be allowed for its elimination. 

Hired Teams. — Persons hiring teams from 
other parties should pay full teams’ rate, 
in accordance with the classification pro- 
vided therefor, except when the owner of 
such team is already carrying insurance 
thereon, in which event, the persons hiring 
the team should be insured at 50% of the 
full teams’ rate, provided the insured war- 
rants that insurance will be maintained by 
the owner on the same teams at full Man- 
ual rates, and further provided, that the 
insured’s name does not appear upon the 
vehicle. If the insured’s name does ap- 
pear upon the vehicle, he should be insured 


167 



TEAMS SCHEDULE— RECOMMENDATIONS.— Cont. 

at 50% of the full teams’ rate, provided the 
owner of such team is already carrying 
insurance at full rates with the given 
Company. 

Special. — Horses owned by insured but rented 
out to others, with vehicles attached, 
should be covered while such horses and 
vehicles are not in charge of the insured 
or any of his employees, at a rate of $2.00 
per horse per annum. Horses (not saddle 
horses nor horses rented with vehicles) 
which insured hires or furnishes to others, 
should be covered while not in charge 
of the insured or any of his employees at 
$1.00 per horse per annum. 

Minimum Premium. — If the total premium 
upon a teams’ policy is less than $50.00, 
the minimum annual premium should be 
equal to the highest annual rate charged 
for one team covered by the policy. If the 
total premium on the policy is $50.00 or 
more, the minimum annual premium 
should be $25.00. 

Limit Table. — A ll classifications, Rate “B.” 

Note . — Teams insurance should not be 
written for limits of less than $5,000.00 and 
$ 10 , 000 . 00 . 


168 


































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TEAMS PROPERTY DAMAGE INSURANCE- 
RECOMMENDATIONS. 

This is a term adopted to designate insur- 
ance to provide against loss arising from the 
liability of the insured for damages by reason 
of injury to or destruction of property of any 
or every description (not, however, the prop- 
erty of the insured when in the care of the 
insured or any of his employees, nor carried in, 
upon, or by the vehicles covered) due to the 
ownership, use, or maintenance of the teams. 
This form of insurance should only be written 
concurrently with a teams’ policy. 

The rate for covering such property damage 
up to a limit of $1,000.00, should be 20% of the 
premium charged for the team so covered, with 
a minimum premium for this feature of $3.00 
per team per annum. Such property damage 
should be written upon bicycle delivery 
vehicles (not motor cycles) for the same limits, 
for a minimum premium of $2.00 per bicycle 
only in the territory covered by this Manual. 
Insurance in excess of a limit of $1,000.00 
should be written for an additional premium, 
equal to 3% of the premium charged for such 
$1,000.00 limit for each $100.00 in excess of 
$1,000.00, and not in excess of $2,000.00. For 
each $100.00 in excess of $2,000.00 there should 
be a further premium charge equal to 1 y 2 % of 
the premium charge for the first limit of 
$ 1 , 000 . 00 . 

Read General Recommendations. 


169 



TEAMS SCHEDULE— RATES. 

Ambulances $18.00 

Ash or Garbage Removers; classify as 
contractors (Street or Building). 

Baggage Transfer 21.50 

Bakers 7.25 

Bicycle Delivery Vehicles 5.00 

*Boiler Makers and Dealers 12.50 

Bottlers (including Mineral water deal- 
ers) 12.50 

Box and Barrel Makers or Dealers 7.25 

Brewers 12.50 

Building Material Merchants 8.50 

Butchers (Wholesale or Retail) 9.00 

Candy Manufacturers — Wholesale 7.25 

Carpenters 8.50 

Coal Dealers 11.50 

Confectioners 9.00 

Contractors (Street work or Building) . . 8.50 

Department Stores 16.50 

Dry Goods Stores — retail 16.50 

Dry Goods Stores — wholesale 7.25 

Dyers and Cleaners 7.25 

Electric Light and Power Companies. . . 12.50 

Express — (no baggage delivery) 18.00 

Fire Patrol and Salvage Corps 40.00 

Florists 7.25 

Furniture Dealers (not moving vans).. . 8.50 

^Furniture Wagons — Vans or Trucks. . . 11.50 
Garbage, refuse, and ashes, collection 

carts 8.50 

Gas and Water Mains 12.50 

170 



TEAMS SCHEDULE— RATES.— Continued. 

Grain, Hay, and Feed Dealers 10.50 

Grocers — retail 9.00 

Grocers — wholesale 7.25 

Hand Trucks — not including peddlers’ 

trucks 5.00 

Hired Teams — (see recommendation, 
page 167). 

Ice Cream Dealers and Ice Cream Manu- 
facturers 9.00 

Ice Dealers 19.50 

Importers or dealers in wines or liquors 

handling case goods only 7.25 

Junk and Scrap Iron Dealers 12.50 

Kindling Wood Makers and Dealers. . . . 7.25 

Laundries 7.25 

Liquor Dealers 10.00 

Lumber Manufacturers or Dealers — all 

kinds 8.50 

^Machinery Dealers 12.50 

Mail Wagons 18.00 

Masons’ Materials 8.50 

Milk Dealers 7.25 

Newspaper Delivery 40.00 

Oil Distributing Companies 9.00 

Omnibus Lines (Passenger risk in- 
cluded) 40.00 

Physicians’ Vehicles — for one horse — .. 8.25 

Physicians’ Vehicles — for each additional 

horse 2.50 

Piano Movers 15.00 


171 





































TEAMS SCHEDULE— RATES.— Continued. 

Plate Glass Teams, excluding placing 


glass in position 9.00 

Plumbers or Plumbers’ Supplies 9.00 

Private Vehicles— for one horse 5.00 

Private Vehicles — for each additional 

horse 2.50 

Provision Dealers and Meat Packers. . . . 9.00 

Provision Dealers — Wholesale (not meat 

packers) 7.25 

Public Service Vehicles: 

Cabs — one or two horses (passenger 
risk included) 17.50 

Hacks — one or two horses (passenger 
risk included) 17.50 

Hansoms — one or two horses (passen- 
ger risk included) 17.50 

Herdicks — one or two horses (passen- 
ger risk included) 17.50 

Hotel Omnibuses — one or two horses 

(passenger risk included) 17.50 

Livery Vehicles, when in charge of 
drivers of insured, one or two 
horses (passenger risk included) . . . 17.50 


Undertakers’ Carriages, when in 
charge of drivers of insured, one 
or two horses (passenger risk in- 
cluded) 17.50 


172 














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TEAMS SCHEDULE -RATES.— Continued. 


Push Carts 2.50 

Railway Iron 12.50 


Saddle Horses — For all saddle horses 
while so used whether ridden by em- 


ployees of the assured or rented to 
or ridden by others $5.00 per horse 
per annum. 

♦Safe Movers and Mfrs 12.50 

Salesmen’s and Collectors’ Teams — no 
delivery of goods — one or two 

horses 8.25 

Sign Painters’ Teams (excluding erec- 
tion of signs) 9.00 

Snow Removal Teams, as Contractors’ 
Teams. 

Soap Makers 7.25 

Street Cleaners’ Carts . . 7.25 

Street Railway Teams — not street cars. 12.50 

Street Sprinklers 7.25 

Street Sweepers (ordinary revolving 

brushes) 7.25 

Street Sweepers (operated by power)... 16.50 

♦Structural Iron and Steel 12.50 

Sugar Refineries 7.25 

Telegraph and Telephone Companies. . . 7.25 

Truckmen — not otherwise classified, re- 
tail or wholesale delivery 11.50 

Undertakers’ Hearses and Coffin 

Wagons 9.00 

Vacuum Cleaning Machines (excluding 
accidents to employees). Teams 
173 






TEAMS SCHEDULE— RATES. -Continued. 

hazard not to be written without 


EX. and P.L 7.25 

Wagons drawn by one or two horses, 
used for business purposes only and 
not delivering for others, not other- 
wise classified — retail 9.00 

Wagons drawn by one or two horses, 
used for business purposes only and 
not delivering for others, not other- 
wise classified — wholesale 7.25 


174 






TEXTILE SCHEDULE— RECOMMENDATIONS. 


Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers* Employers’ Liability 
Policy or to a Manufacturers’ Employers* 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — -All classifications, Rate “ D.” 

Read General Recommendations. 


TEXTILE SCHEDULE— RATES. 


Classification. 

EX. 

Coll. 

P.L. 

Artificial Feather and Flower 




Mfrs 

.56 

1.00 

.03 

Awning and Tent Mfrs. (shop 




only) — no manufacturing of 
wooden pegs or iron frames. . 

.42 

1.00 

.03 


This classification not to be used 
for division of pay roll pur- 
poses, and not to be used if 
assured engages in erection of 
awnings and tents. Where 
both shop and outside opera- 
tions are involved, see “Awn- 
ing and Tent Mfrs. — shop and 
erecting,” Miscellaneous 
Schedule. 

Badge (silk or worsted) Mfrs 

175 


.42 


1.00 .03 





TEXTILE SCHEDULE— RATES— Continued. 


Classification. 

EX. 

Coll. 

PX. 

Bag (burlap, sacking) Mfrs. — 




weaving 

.56 

1.00 

.03 

Bag Mfrs. (sewing only) 

.56 

'l.OO 

.03 

Bleacheries 

.56 

1.00 

.03 

Bonnet Frame Mfrs. (no wire 




manufacturing) 

.28 

1.00 

.03 

Braid Mfrs. (not embroidery 




mfrs.) 

.42 

1.00 

.03 

Bunting Mfrs 

.56 

1.00 

.03 

Burlap and Sack Mfrs 

.56 

1.00 

.03 

Calenderers 

.56 

1.00 

.03 

Calico Printers 

.56 

1.00 

.03 

Canvas Belting Mfrs 

.80 

1.00 

.03 

Caps, Mfrs. of, cloth only, sewing 




machine risk 

.21 

1.00 

.03 

Carding and Fulling Mills 

.56 

1.00 

.03 

Carpet Mfrs 

.56 

1.00 

.03 

Cloak Mfrs 

.21 

1.00 

.03 

Cloth Spongers 

.56 

1.00 

.03 

Clothing Mfrs 

.21 

1.00 

.03 

Collar and Cuff Mfrs. — including 




laundry 

.21 

2.00 

.03 

Corset Mfrs 

.21 

1.00 

.03 

Cotton Batting Mfrs. (no shoddy, 




wadding or waste mfrs.) .... 

4.20 

1.50 

.03 

Cotton Spinners 

.56 

1.00 

.03 

Cotton Weavers 

.56 

1.00 

.03 

Dressmakers 

.21 

1.00 

.03 

Duck Cloth Mfrs 

.56 

1.00 

.03 


Dyers of Textiles — new goods 
176 


































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TEXTILE SCHEDULE— RATES.— Continued. 


Classification. 

EX. 

Coll. 

P.L. 

(not Dyers and Cleaners) . . 

.56 

1.00 

.03 

Elastic Web Mfrs 

.42 

1.00 

.03 

Embroidery Mfrs 

.42 

1.00 

.03 

Feather Pillow Mfrs 

.21 

1.00 

.03 

Feather and Flower (artificial) 




Mfrs 

.56 

1.00 

03 

Felting Mfrs 

.56 

1.00 

.03 

Finishers of Textiles — new goods 




(same as Dyers). 




Flax Mills 

.56 

1.00 

.03 

Fringe and Braid Mfrs. (not em- 




broidery mfg.) 

.42 

1.00 

.03 

Fulling Mills 

.56 

1.00 

.03 

Fur Goods Mfrs. (not preparing 




skins) 

.56 

1.00 

.03 

Furnishing Goods Mfrs 

.21 

1.00 

.03 

Garment Mfrs. — see Clothing 




Mfrs. 




Glove and Mitten (silk, woolen or 




thread) Mfrs 

.42 

1.00 

.03 

Hair Cloth Mfrs 

.56 

1.00 

.03 

Handkerchief Mfrs. — no weaving. 

.21 

1.00 

.03 

Hat (straw) Mfrs 

.21 

1.00 

.03 

Hat (not straw) Mfrs., including 




moulding and manufacturing 




of felt 

.42 

1.00 

.03 

Horse Blanket Mfrs 

.56 

1.00 

.03 

Hose (cotton) Mfrs 

.42 

1.00 

.03 

Hosiery Mfrs 

.42 

1.00 

.03 


Hosiery Mfrs. (from cop yarn — no 
177 






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TEXTILE SCHEDULE— HATES.— Continued. 


Classification. EX. Coll. PX. 

yarn mfg.) 42 1.00 .03 

Jute Mfrs 56 1.00 .03 

Knitting Mills 42 1.00 .03 

Knitting Mills (cop yarn — no 

yarn mfg.) 21 1.00 .03 

Lace Mfrs 42 1.00 .03 

Linen Mfrs 56 1.00 .03 

Mat and Matting Mfrs 56 1.00 .03 

Mattress Mfrs. (no spring or wire 

work or excelsior mfg.) 56 1.00 .03 

Mercerizing Cotton Goods, rates 
same as Dyers of Textiles — 
new goods, not dyers and 
cleaners. 

Millinery Mfrs 21 1.00 .03 

Necktie Mfrs. 21 LOO .03 

Net — not wire (no cordage or 

twine making) 42 1.00 .03 

Plush and Velvet Goods Mfrs 42 1.00 .03 

Quilt Mfrs 56 1.00 .03 

Ribbon Mfrs 21 1.00 .03 

Rug Mfrs 56 1.00 .03 

Sail Makers 42 1.00 .03 

Shade Cloth Mfrs 56 1.00 .03 

Shirt Mfrs. — including laundry. . . .21 2.00 .03 

Shoddy Mfrs 4.20 1.50 .03 

Shoe String Mfrs 42 1.00 .03 

Silk Mfrs 21 1.00 .03 

Silk Thread Mfrs 21 1.00 .03 

Steam Packing Mfg. (not metal). .56 1.00 .03 

178 














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• . 








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TEXTILE SCHEDULE— RATES.— Continued. 

Classification. EX. Coll. PX. 

Straw Hat Mfrs 21 1.00 .03 

Stuff and Woolen Dyers — in con- 
nection with textile mfrs 56 1.00 .03 

Suspenders Mfrs 42 1.00 .03 

Tailors 21 1.00 .03 

Textile Mfrs. — cotton and woolen 

mills, excluding shoddy mfrs.. .56 1.00 .03 

Thread (cotton or linen) Mfrs.. .. .56 1.00 .03 

Thread (silk) Mfrs 21 1.00 .03 

Typewriter Ribbon Mfrs 42 1.00 .03 

Umbrella Mfrs 42 1.00 .03 

Upholstery Fabric Mfrs 42 1.00 .03 

Upholstery Trimmings Mfrs 42 1.00 .03 

Wadding and Waste 4.20 1.50 .03 

Wicking Mfrs 56 1.00 .03 

Window Shade and Cloth Mfrs. — 

making and mounting 42 1.00 .03 

Wool Combers 56 1.00 .03 

Wool Extract Mfrs. (chemical sep- 
aration of wool from cotton). .70 1.50 .03 

Wool Spinners, excluding shoddy 

mfrs 56 1.00 .03 

Wool Weavers, excluding shoddy 

Mfrs. 56 1.00 .03 

Woolen Dyers — in connection 

with Textile Mfrs .56 1.00 .03 

Yarn Finishing — no manufactur- 
ing of yarn (putting silk 
finish on and winding on spools) .21 1.00 .03 

Yarn Mfrs 56 1.00 .03 

179 



TOBACCO SCHEDULE— RECOMMENDATIONS. 

Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers* Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — All classifications, Rate “ D.” 

Read General Recommendations. 

TOBACCO SCHEDULE— RATES. 


Classification. EX. Coll. PX. 

Cigar and Cigarette Mfrs 17 1.00 .03 

Tobacco (chewing, smoking, plug, 

and fine cut) Mfrs 24 1.00 .03 

Tobacco (snuff) Mfrs 24 1.00 .03 

Tobacco Mfrs. (not otherwise clas- 
sified) 24 1.00 .03 


180 


















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VESSEL SCHEDULE— RECOMMENDATIONS. 


Minimum Premium. — Per vessel or per policy, 
E.L., or E.L. and P.L., $25.00. 

Public Liability. — Apply to Home Office 
for P.L. rate on any classification in this 
schedule marked (a). 

Limit Table. — All classifications, Rate “ D.” 
Read General Recommendations. 

VESSEL SCHEDULE— RATES. 


R; es in this schedule include the Collision hazard. Policies 
hou l not be issued to exclude Collision hazard. 

Classification. 

E.L,. 

Coll. 

PX. 

Bargemen and Lightermen 

2.80 

2.35 

.40 

Barge and Canal Boatmen — crews 
only — no loading and unload- 

ing 

.98 

1.25 

.40 

Ferry Companies 

.98 

1.25 

(a) 

Fishing Vessels 

.98 

2.50 

.25 

Great Lakes Sailing Vessels 

1.35 

2.50 

.75 

Great Lakes Steamers 

1.35 

2.50 

1.05 

Great Lakes and River Tugboats 

— towing 

1.35 

2.00 

1.05 


These rates apply to all vessels 
plying on the Great Lakes ir- 
respective of the Home Port. 


The above rates include collision 
hazard. Policies should not 
be issued to exclude collision 
hazard. Rates also exclude 
First Aid under E. L. First 


181 





VESSEL SCHEDULE — RATES. — Continued. 

Classification. EX. Coll. PX. 

Aid included under P.L. Add 
10% to E. L. rates to include 
First Aid. Minimum Prem- 
ium per vessel or per policy, 

E. L. or E. E. and P. L. — 

$25.00. For excess limits ap- 
ply Indiana Manual Table 
Rate “D.” The rates for 
these classifications are made 
to conform to the New York 
Manual rates in order to equal- 
ize the rates on all vessels 
plying on the Great Lakes and 
avoid vessels being written in 
one port at a lower rate than 
they may be written in some 
other port, it being recog- 
nized that there should not 
be discrimination among in- 
sured. 

Steam Boats, Towing Boats, Tug 
Boats and Barges plying on the 
Mississippi, Ohio, Missouri, 
and tributary rivers, including 
Roustabouts doing stevedoring 


work 1.40 2.00 .70 

Waterboats — supplying water for 

shipping 1.54 2.00 .70 


182 












WAREHOUSE AND STORE SCHEDULE- 
RECOMMENDATIONS. 

Policy Forms. — All classifications in this 
schedule marked (b) in P.L. column should 
be written upon General Liability forms, 
with area and frontage charges in lieu of 
a P.L. rate. (See General Liability Sched- 
ule.) All other classifications should be 
written upon the Manufacturers' E.L. and 
P.L. forms. 

Minimum Premium. — For all classifications 
written upon General Liability form, $10, 
exclusive of elevators. For all other classi- 
fications, for E.L., or E.L., and P.L., or 
E.L., P.L., and Teams, $25. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers’ Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Public Liability— Apply to Home Office 
for P.L. rate on any classification in this 
schedule marked (a). 

Limit Table.— Billiard and Bowling Halls, 
Theatres, Rate "A." Apartment Hotel 
and Hotel Apartment (excluding laundry), 
Asylums, Baths, Hospitals, Hotels, Junk 
183 











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WAREHOUSE AND STORE SCHEDULE-RECOMMEN- 
DATIONS— Continued. 


Dealers, Rag and Paper Stock Dealers, 
Restaurants, Scrap Iron Dealers, Wine and 
Spirit Merchants — Retail, Dry Goods 
Stores — Retail, Department Stores, Rate 
“ B.” All other Wholesale and Retail 
Store risks, Rate “ C.” All other classifi- 
cations, Rate “ D.” 

Read General Recommendations. 

WAREHOUSE AND STORE SCHEDULE— RATES. 


Classification. EX. Coll. P.l. 

Agricultural Implements Stores 

(no manufacturing) 77 1.00 (b) 

Apartment Hotel and Hotel Apart- 
ment (excluding laundry)... .14 1.00 (b) 

Apartment Houses 14 1.00 (b) 

Asylums, including pay roll of en- 
tire staff (excluding accidents 
due to negligence of profes- 
sional attendants) 14 1.00 (b) 

Athletic Clubs 35 1.00 (b) 

Auction Rooms 49 1.00 .45 

Barbers 42 1.00 (b) 

Barbers’ Supplies (no manufactur- 
ing 28 1.00 (b) 

Baths (excluding accidents due to 
negligence of professional at- 
tendants) . . .49 1.00 (b) 

Billiard and Bowling Halls 70 1.25 (b) 

Bottles (2d hand), Dealers in.... 1.40 1.50 .10 


184 



WAREHOUSE AND STORE SCHEDULE— RATES —Continued. 


Classification. EX. Coll. PX. 

Butchers — meat or provision 
stores (no manufacturing, 
slaughtering or rendering) ... .28 1.25 (b) 

Butchers’ Supplies (no manufac- . 

turing) 28 1.00 (b) 

Carriage Repositories and Sales- 
rooms 28 1.00 (b) 

Clerical Office Employees in man- 


ufacturing plants (E.L. and 
P.R. 14 cents or E.L. only 
14 cents). 

Clerical Office Employees under 


General Liability Policies 07 .60 (b) 

Clothing Store, Wholesale or Re- 
tail, with or without manu- 
facturing 21 .60 (b) 

Club Houses (not athletic, coun- 
try, or yacht club) :21 1.00 (b) 

Cold Storage Warehouses 1.40 1.80 .45 

Cotton and Woolen Clipping, new 
goods only (dealers in, and 
baling, not rag and paper 

stock dealers) 1.00 1.00 .10 

Counter Lunch Room 63 1.00 (b) 

Country Clubs 35 1.00 (.b) 

Dentist 42 1.00 (b) 

Department Stores 42 1.00 (b) 

This classification should ap- 


ply to 5 and 10 cent stores or 
stores advertising merchan- 

185 



WAREHOUSE AND STORE SCHEDULE- 
Classification. 

dise for sale at a maximum or 
minimum stated price. 

Dry Goods Stores (no manufactur- 

ing) 

Furniture Dealers (store only) . . 
Glass Merchants, including opera- 
tions of bending, grinding, 
bevelling and silvering plate 

glass 

Grain Elevators — line or terminal. 
Grain Elevators (line) including 
any or all of the following 
incidental operations : 

Dealers in Coal and Wood, Wire 
fencing, Agricultural imple- 
ments, Hay, Grain, and Feed 

and Lumber Yard 

Hardware Stores (no manufactur- 

ing) 

Hay, Straw and Feed Dealers. . . . 
Hay, Straw, Feed, Grain, Cotton 
— W e i g h e r s , Inspectors, 
Graders and Watchmen con- 
ducting such operations ex- 
clusively (not including load- 
ing and unloading) 

Hide and Leather Dealers 

Hospitals, veterinary surgeon.... 
Hospitals, including pay roll of 
entire staff (excluding acci- 
186 


RATES.— Continued. 
E.L. Coll. PX. 


.28 1.00 (b) 
.28 1.00 (b) 


.35 1.50 (b) 
1.75 1.50 .30 


1.75 1.50 .30 

.28 1.00 (b) 

.77 1.25 .25 


.42 1.25 .10 

77 1.25 (b) 

2.10 2.00 2.00 



WAREHOUSE AND STORE SCHEDULE— RATES.— Continued. 


Classification. E.L. Coll. PJL. 

dents due to negligence of pro- 
fessional attendants) 14 1.00 (b)*| 

Hotels (excluding laundry) 49 1.00 (b) 

Importers and Dealers in Goat 

and Sheep skins 28 1.00 (b) 

Iron Merchants (not junk or scrap 


iron or hardware dealers) .... 1.75 1.00 (b) 

Jewelry Stores, Wholesale or Re- 
tail or both, all employees, in- 


cluding clerical office force. . . .1754 .60 

Junk Dealers (shop and yard) .... 7.00 2.00 .25 

Ladies Hair Dressing and Mani- 
curing 42 1.00 (b) 

Leather and Hide Dealers 77 1.25 (b) 

Machinery Dealers — (store only, 

no manufacturing) 77 1.00 (b) 

Malt Houses 1.40 1.50 .12 

Marketmen — including meat and 
provision store (no manufac- 
turing, slaughtering, or ren- 
dering) 28 1.50 (b) 

Mercantile or Manufacturing 
Premises variously occupied 
by persons other than the 
owner, not otherwise classified 

(owners’ risk only) 21 1.00 (b) 

Milk Dealers — store or depot only .28 1.00 (b) 

fOffice Buildings 14 1.00 (b) 


+Pay roll to be included is only that of employees engaged in the 
care, custody and maintenance of the building and premises. 

187 


« 


WAREHOUSE AND STORE SCHEDULE— RATES— Continued. 

Classification. EX. Coll. PX. 

Paper and Rag Stock Dealers — 
handling new paper waste 
from publishers, printers, 
lithographers, etc., or hand- 
ling new cloth clippings from 
manufacturing e s t a b 1 i s la- 
ments; no handling of junk, 


old rags, or old paper 

1.40 

1.50 

.25 

Photographers — Studio work (not 

producing moving pictures) . . 

.28 

1.00 

(b) 

Poultry Dealers, Wholesale or Re- 
tail (including killing of poul- 
try) 

.28 

1.00 

(b) 


Private Garages — when occupied 
only by the insured and when 
automobiles kept therein are 
insured in this Company. 
(This classification is avail- 
able where garage is not on 
same premises with dwell- 

ing.) 

Flat rate for each in lieu of Area 
and Frontage charge, $4.00. 

Private Stable — occupied only by 
the insured and when teams 
kept therein are insured in this 
Company. (This classification 
188 






















* 




































































f 

















WAREHOUSE AND STORE SCHEDULE— RATES.— Continued. 


Classification. E.L. Coll. PX. 

is available when stable is not 
on same premises with dwell- 
ing.) 

Flat rate for each in lieu of Area 
and Frontage charge, $4.00. 


f Public Libraries . . 14 1.00 (b) 

fPublic Museums of Art or Natu- 
ral History 14 1.00 (b) 

fPublic Picture Galleries 14 1.00 (b) 

Rag and Paper Stock Dealers. .... 2.80 1.00 .25 

Real Estate Employees, outside of 
office, including collector, no 

construction work 35 1.00 .05 

Restaurants 49 1.00 (b) 

Retail Stores (not otherwise classi- 
fied) 28 1.00 (b) 

Rubber Stock Dealers — Receiving, 
handling, baling and shipping 

old rubber stock 1.75 2.00 .15 

Scrap Iron Dealers (shop and 

yard) 7.00 2.00 .25 

Ship Chandler Stores (no manu- 
facturing) 28 1.00 (b) 

Skins, Goat and Sheep — importers 

and dealers . .. 42 1.00 (b) 

Store Risks — not otherwise classi- 
fied (no manufacturing) 28 100 (b) 

Storage (cold) 1.40 1.80 .30 


+Pay roll to be included is only that of employees engaged in the 
care, custody and maintenance of the building and premises. 

189 



WAREHOUSE AND STORE SCHEDULE— RATES-Cont. 


Classification. EX. Coll. PX. 

Storage (baled cotton) 1.40 2.00 .30 

Storage (furniture) 1.40 2.00 .20 

Storage (grain) *1.40 2.00 .30 

Storage — g e n e r a 1 merchandise 

(not otherwise classified) 1.75 2.50 .30 

Tailor Store, Wholesale or retail, 
including cutting — w i t h or 

without manufacturing 21 .60 (b) 

Tenements 14 1.00 (b) 

Theatre and Exposition Building 

Employees 49 1.00 f 

Theatrical Companies or Actors.. .49 1.00 (a) 

Theatrical Companies on Tour... .49 1.00 .05 

Tobacco Rehandlers 28 1.00 .15 

Traveling salesmen should be cov- 
ered only while about In- 
sured’s premises upon one- 
third of their actual pay roll 
at clerical office force rate. 

Warehouse, Private — used exclu- 
sively for storing surplus 
stock of the insured, and cov- 
ered in connection with store 
or other sales place, to take 
the rate of such store or sales 
place. Not applicable to any 
form of warehousing or stor- 
ing, for which specific rates 
are made in this schedule. 

+If public is taken theatre policy form should be used. 

190 


WAREHOUSE AND STORE SCHEDULE-RATES- Cont. 


Classification. EX. Coll. PX. 

Warehousemen (general merchan- 
dise, not otherwise classified) . 1.75 2.50 .30 


Wholesale Stores only (not other- 
wise classified) 28 1.00 (b) 

Wholesale and Retail Stores (not 

otherwise classified) 28 1.00 (b) 

Wholesale or Retail Poultry Deal- 
ers (including killing of poul- 
try) 28 1.00 (b) 

Wine and Spirit Merchants 42 1.00 (b) 

Wine and Spirit Merchants (re- 
tail) , no bar on premises; 
liquor sold in packages only. . .28 1.00 (b) 

Wool Merchants — office and ware- 
house 49 1.00 .25 

Yacht Clubs 35 1.00 (b) 

Y.M.C.A. and Y.W.C.A. Institu- 
tions — Pay roll should include 
all teaching, preaching and 
operative force 14 1.00 (b) 


191 






































































( 



































WOOD SCHEDULE— RECOMMENDATIONS. 

Minimum Premium. — For E.L. only, or E.L. 
and P.L., or E.L., P.L., and Teams, $25.00. 

The Minimum Premium applicable to 
a Manufacturers’ Employers’ Liability 
Policy or to a Manufacturers’ Employers’ 
Liability and a Manufacturers* Public 
Liability Policy when written concurrently 
with a Teams Policy should be not less 
than $15.00. The total minimum pre- 
mium, including Teams, should be not less 
than $25.00. 

Limit Table. — All classifications rated at 
$1.00 E.L. or over, Rate “ C.” All other 
classifications, Rate “ D.” 

Read General Recommendations . 

WOOD SCHEDULE— RATES. 


Classification. 

Barbers’ Supplies (including fur- 

EX. 

Coll. 

r.i. 

niture manufacturing) 

Barrel Mfrs. — m a k i n g heads, 
hoops, staves, etc., and as- 

.84 

1.75 

.03 

sembling 

Barrel Mfrs. — not making heads, 
hoops, staves, etc., assem- 

1.75 

3.00 

.03 

bling only 

1.40 

1.25 

.03 

Barrel (wood veneer) Mfrs 

Baseball Bat Mfrs. — see rates for 
Crutch Mfrs. 

1.75 

1.25 

.03 

Basket (willow ware) Mfrs 

192 

.59 

1.00 

.03 











































. 

































V 














































’ 


































WOOD SCHEDULE— RATES.— Continued. 

Classification. E.L. Coll. P.L. 

Basket (wood veneer) Mfrs 1.75 1.25 .03 

Basket (wood veneer) Mfrs. — not 
manufacturing veneer or 

using machinery 1.40 1.25 .03 

Bedstead (not metal) Mfrs 84 1.75 .03 

Bee Hive Mfrs 1.12 1.25 .03 

Bellows Mfrs 1.12 1.25 .03 

Bent Wood Mfrs 1.12 1.75 .03 

Billiard Table Mfrs., including 

setting up at place of delivery. .84 1.75 .03 

Block (pulley) Mfrs 1.12 1.25 .03 

Bobbin and Spool (wood) Mfrs. . . 1.12 1.25 .03 

Broom Mfrs. (no saw mill) 35 1.00 .03 

Broom Mfrs. (with saw mill).... 1.12 1.50 .03 

Brush Mfrs. (no saw mill) 35 .1.00 .03 

Brush Mfrs. (with saw mill) 1.12 1.50 .03 

Cabinet Works (factory or factory 

and store) 84 1.75 .03 

Cane (walking) Mfrs 84 1.00 .03 

Canoe (wood) Builders (shop 

only) 84 1.25 .03 

Carpenters (shop only) 1.12 1.25 .10 

Carriage Wood Mfrs. — see rates 
Wood Turners. 

Chair Mfrs 84 1.75 .03 

Coffin and Casket (wood) Mfrs.. .84 1.25 .03 

Coopers 1.75 3.00 .03 

Cork Cutting Works 84 1.25 .03 

Crutch Mfrs 84 1.25 .03 

Fishing Rod Mfrs 59 1.25 .03 


193 
























WOOD SCHEDULE — RATES. — Continued. 

Classification. E.L. Coll. 

Furniture (factory or factory and 

store) mfg. and finishing 84 1.75 

Furniture, Chair, and Cabinet 
Works — assembling of manu- 
factured parts only (on prem- 
ises where no machinery is 

employed) 59 1.25 

Furniture Mfrs. (in rough) — to be 

sold unfinished 1.40 1.75 

Golf Clubs Mfrs.... 84 1.25 

Hat Block Mfrs 1.12 1.25 

Hot House Mfrs. (shop only) .... 1.12 1.25 

House (portable) Mfrs. (shop 

only) 1.12 1.50 

Ice Cream Freezer Mfrs 1.12 1.25 

Incubator Mfrs 1.12 1.25 

Joiners (in shop) 1.12 1.25 

Keg Mfrs. (see Barrel) 

Kindling Wood Mfrs 1.40 1.50 

Ladder Mfrs 1.12 1.25 

Last Mfrs 1.12 1.25 

Lead Pencil Mfrs 59 1.25 

Mantel (wood) Mfrs. (shop only) . 1.12 1.75 

Mast and Spar Mfrs. (shop only) 1.40 1.50 

Musical Instrument Mfrs. (wood) . .42 1.00 

Organ (cabinet or parlor) Build- 
ers, including setting up at 

place of delivery 42 1.00 

Organ (pipe for churches) Build- 
ers, including setting up at 


194 





















































































♦ 

















WOOD SCHEDULE— RATES.— Continued. 


Classification. 

EX. 

Coll. 

PX. 

place of delivery 

.84 

1.25 

.03 

Pail Mfrs 

1.75 

3.00 

.03 

Parquet Flooring Mfrs. (shop 




only) 

1.12 

1.75 

.03 

Pattern and Model (wood) Mfrs. . 

1.12 

1.25 

.03 

Peg and Skewer (wood) Mfrs. . . . 

1.12 

1.25 

.03 

Piano Mfrs., including setting up 




at place of delivery 

.42 

1.00 

.03 

Piano Action Mfrs 

.42 

1.00 

.03 

Piano Forte Case Mfrs 

.42 

1.00 

.03 

Piano Key Mfrs 

.42 

1.00 

.03 

Piano Mfrs. — assembling of parts 




only 

.35 

1.00 

.03 

Piano Players, Automatic — manu- 




facturing, installing and re- 




pairing 

.42 

1.00 

.03 

Picture Frame Mfrs 

.84 

1.50 

.03 

Picture Frame Mfrs. (no power 




machinery) 

.42 

1.00 

.03 

Picture Frame Mfrs. (not operat- 




ing moulding mill nor manu- 




facturing mouldings) 

.70 

1.00 

.03 

Pipe Mfrs. — wood (tobacco) 

.59 

1.25 

.03 

Pulley Block (wood) Mfrs 

1.12 

1.25 

.03 

Pump (wood) Mfrs 

1.12 

1.25 

.03 

Pyrographic Goods Mfrs 

.56 

1.00 

.03 

Rattan Goods Mfrs 

.59 

1.00 

.03 

Refrigerator Mfrs. (shop only) . . . 

1.12 

1.25 

.03 

School Supplies Mfrs 

1.12 

1.00 

.03 

Screen Mfrs. (window or door) . . . 

1.12 

1.25 

.03 


195 



















































- 






















































WOOD SCHEDULE— RATES.— Continued. 

Classification. E.L. Coll. P.L.| 

Shade Roller Mfrs. (including as- 
sembling) 1.40 1.25 .03 

Showcase Mfrs 1.12 1.20 .03 

Spar and Mast Mfrs. (shop only). 1.40 1.50 .10 

Spool (wood) Mfrs 1.12 1.25 .03 

Tank (wood) Builders (shop 

only) 1.75 1.50 .03 

Toy (wood) Mfrs 1.12 1.25 .03 

Trunk (wood) Mfrs. — including 

metal frames and fittings 1.40 1.00 .03 

Tub Mfrs 1.75 3.00 .03 

Turners (wood) 1.12 1.25 .03 

Veneer Package Mfrs. — fruit and 
vegetable baskets, butter 
dishes, etc., made from veneer 

(not veneer mfrs.) 1.12 1.25 .03 

Veneer Seat Mfrs. (not veneer 

mfrs.) 1.12 1.00 .03 

Washboard Mfrs 1.12 1.25 .03 

Washing Machine and Clothes 

Wringers Mfrs 1.12 1.25 .03 

Weather Strips Mfrs. (window or 

door) 70 1.25 .03 

Wheelbarrow (wood) Mfrs 1.12 1.20 .03 

Willow Ware Mfrs 59 1.00 .03 

Windmill (wood) Mfrs. (shop 

only) 1.12 1.50 .03 


196 














•7 M ' 




































* 











































































































WOOD SCHEDULE— RATES.— Continued. 


Classification. EX. Coll. PX. 

Window Blind and Wood Shade 

Mfrs. 1.40 1.50 .10 

Woodenware Mfrs 1.40 3.00 .03 

Wood Mantel Mfrs. ... . 1.12 1.75 .03 

Wood Tank Builders (shop only) . 1.75 1.50 .03 

Wood Turners 1.12 1.25 .03 


197 

















» 

. 
























■ 






























. 



























* 






/ 


♦ 















✓ 




























» 












• • 









t 

















